Debt-to-Income Ratio Calculator
Enter your gross monthly income plus housing and other debt payments to see your front-end DTI (housing only) and back-end DTI (all debt). Lenders often look for back-end DTI under 36–43%.
Front-end DTI (housing)30%%
Back-end DTI (all debt)40%%
Total monthly debt payments2,000.00
Housing share of income30%%
Other debt share of income10%%
How this calculation works
Front-end DTI = housing payment ÷ gross monthly income × 100. Housing includes rent or mortgage principal, interest, taxes, and insurance (PITI).
Back-end DTI = (housing + all other monthly debt payments) ÷ gross monthly income × 100. Other debt includes car loans, student loans, credit card minimums, and personal loans.
This calculator uses the numbers you enter — it does not pull credit reports. Use gross (pre-tax) income unless your lender specifies otherwise.
Worked example
Income 5,000/month, housing 1,500, other debt 500 → front-end 30%, back-end 40%. Many lenders prefer back-end under 43% for conventional mortgages.
Frequently asked questions
What is a good DTI ratio?
Many mortgage lenders prefer back-end DTI at or below 36–43%, though FHA and other programs may allow higher with compensating factors. Lower is generally better for approval and financial flexibility.
Front-end vs back-end — which matters more?
Mortgage underwriters usually weigh back-end DTI more because it captures your full debt load. Front-end (housing-only) still matters for programs with housing-ratio caps.
Should I use gross or net income?
Lenders typically use gross (pre-tax) monthly income. Self-employed borrowers may use adjusted gross from tax returns — confirm with your loan officer.
Do credit card minimums count?
Yes — lenders include minimum monthly payments on revolving debt even if you pay more. Paying down balances before applying can lower reported minimums.
Does this store my income or debts?
No. Everything runs in your browser and is never uploaded.
This tool is provided for general information only. Verify important figures independently. · Last reviewed: August 25, 2026