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FinanceFormula-based · Runs in your browser

Debt-to-Income Ratio Calculator

Calculate front-end and back-end monthly debt-to-income ratios.

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Inputs

Enter the values you know. Optional fields may be left empty.

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Required
$
Required
$
Required
$
Optional
$

Result

Updates as valid inputs change.

Calculated locally
For planning only. Lending rules differ by lender and loan program.
Total debt-to-income
—
Housing ratio
—
Total monthly debt
—
Income after counted debt
—

Saved locally, explained clearly

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Calculation steps

Follow what happened from the selected formula to the displayed answer.

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Calculate current inputs to see the working.
  1. 1

    Formula selected

    The calculator uses the following formula or method.

    DTI = counted monthly debt payments ÷ gross monthly income × 100

    This is a screening ratio, not an approval decision.

  2. 2

    Values entered

    Your values are placed into the calculation.

    Enter values to see what is used in this step.

  3. 3

    Result calculated

    The formula or method produces the following result values.

    Results will appear after a successful calculation.

  4. 4

    Answer formatted

    Displayed values are rounded and formatted using each output’s configured precision.

Scenario comparison

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Recent calculations

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Data and privacy

How it works

The housing ratio uses only housing cost. The total ratio adds other counted monthly debt.

Input query strings and outputs

Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.

Input query strings

4
  • ?grossIncome= Gross monthly income

    Money · Required · Default: 8,000

  • ?housingPayment= Monthly housing payment

    Money · Required · Default: 2,200

  • ?debtPayments= Other monthly debt payments

    Money · Required · Default: 600

  • ?otherDebt= Other counted obligations

    Money · Optional

Outputs

4
  • backEndRatio Total debt-to-income

    Percentage · Primary output

  • frontEndRatio Housing ratio

    Percentage

  • totalMonthlyDebt Total monthly debt

    Currency

  • incomeAfterDebt Income after counted debt

    Currency

Limits

Lenders may count income and obligations differently.

Sources
  • No external reference is listed for this calculator. Its formula and variable definitions are shown above.
Limitations
  • For planning only. Lending rules differ by lender and loan program.
  • This is a screening ratio, not an approval decision.
  • Estimates use the rates, timing, and assumptions entered. Fees, taxes, lender rules, and future changes are included only where explicitly shown.

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