# Debt-to-Income Ratio Calculator

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

Page: https://askcalculators.com/calculator/debt-to-income-calculator/
Definition: https://askcalculators.com/calculator/debt-to-income-calculator/definition.json
JSON Schema: https://askcalculators.com/calculator/debt-to-income-calculator/schema.json
Version: 1.0.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/calculator/debt-to-income-calculator/?grossIncome=8000&housingPayment=2200&debtPayments=600

## Inputs
- grossIncome: Gross monthly income; type=money; required; default=8000; min=0.01
- housingPayment: Monthly housing payment; type=money; required; default=2200; min=0
- debtPayments: Other monthly debt payments; type=money; required; default=600; min=0
- otherDebt: Other counted obligations; type=money; optional; min=0

## Outputs
- backEndRatio: Total debt-to-income; format=percent; primary
- frontEndRatio: Housing ratio; format=percent
- totalMonthlyDebt: Total monthly debt; format=currency
- incomeAfterDebt: Income after counted debt; format=currency

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

This is a screening ratio, not an approval decision.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: For planning only. Lending rules differ by lender and loan program.