{
  "id": "debt-to-income-calculator",
  "version": "1.0.0",
  "name": "Debt-to-Income Ratio Calculator",
  "shortName": "Debt-to-income",
  "description": "Calculate front-end and back-end monthly debt-to-income ratios.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "dti",
    "debt ratio",
    "monthly income",
    "housing ratio"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/debt-to-income-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "1.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "For planning only. Lending rules differ by lender and loan program.",
  "urls": {
    "page": "/calculator/debt-to-income-calculator/",
    "definition": "/calculator/debt-to-income-calculator/definition.json",
    "schema": "/calculator/debt-to-income-calculator/schema.json",
    "llms": "/calculator/debt-to-income-calculator/llms.txt",
    "legacyDefinition": "/calculator/debt-to-income-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/debt-to-income-calculator/?grossIncome=8000&housingPayment=2200&debtPayments=600",
  "queryParameters": {
    "grossIncome": {
      "label": "Gross monthly income",
      "type": "money",
      "required": true,
      "default": 8000
    },
    "housingPayment": {
      "label": "Monthly housing payment",
      "type": "money",
      "required": true,
      "default": 2200
    },
    "debtPayments": {
      "label": "Other monthly debt payments",
      "type": "money",
      "required": true,
      "default": 600
    },
    "otherDebt": {
      "label": "Other counted obligations",
      "type": "money",
      "required": false
    }
  },
  "inputs": [
    {
      "id": "grossIncome",
      "label": "Gross monthly income",
      "type": "money",
      "required": true,
      "defaultValue": 8000,
      "min": 0.01,
      "step": 100,
      "width": "half"
    },
    {
      "id": "housingPayment",
      "label": "Monthly housing payment",
      "type": "money",
      "required": true,
      "defaultValue": 2200,
      "min": 0,
      "step": 50,
      "width": "half"
    },
    {
      "id": "debtPayments",
      "label": "Other monthly debt payments",
      "type": "money",
      "required": true,
      "defaultValue": 600,
      "min": 0,
      "step": 25,
      "width": "half"
    },
    {
      "id": "otherDebt",
      "label": "Other counted obligations",
      "type": "money",
      "min": 0,
      "step": 25,
      "help": "Optional",
      "width": "half"
    }
  ],
  "outputs": [
    {
      "id": "backEndRatio",
      "label": "Total debt-to-income",
      "format": "percent",
      "primary": true
    },
    {
      "id": "frontEndRatio",
      "label": "Housing ratio",
      "format": "percent"
    },
    {
      "id": "totalMonthlyDebt",
      "label": "Total monthly debt",
      "format": "currency"
    },
    {
      "id": "incomeAfterDebt",
      "label": "Income after counted debt",
      "format": "currency"
    }
  ],
  "formula": {
    "expression": "DTI = counted monthly debt payments ÷ gross monthly income × 100",
    "note": "This is a screening ratio, not an approval decision."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "grossIncome": 8000,
        "housingPayment": 2200,
        "debtPayments": 600
      }
    }
  ],
  "sources": []
}