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Debt-to-Income Ratio Calculator

Calculate your front-end and back-end debt-to-income (DTI) ratios, the numbers lenders use to approve mortgages and loans.

Enter values

Results update as you type.

Result

Back-end DTI

35%

Healthy — most lenders prefer 36% or less.

Front-end (housing) DTI
25.71%

About the Debt-to-Income Ratio Calculator

Calculate your front-end and back-end debt-to-income (DTI) ratios, the numbers lenders use to approve mortgages and loans.

Also known as: dti calculator, debt to income, dti ratio, mortgage dti.

How to use this calculator

  1. Enter gross monthly income, monthly housing payment, other monthly debt payments.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

DTI = monthly debt payments ÷ gross monthly income × 100

Worked example

Using the values pre-filled in the calculator above:

  • Gross monthly income = 7,000
  • Monthly housing payment = 1,800
  • Other monthly debt payments = 650

the calculator returns:

  • Back-end DTI: 35%
  • Front-end (housing) DTI: 25.71%