Debt-to-Income Calculator — How to Calculate Your DTI Ratio
Estimate front-end and back-end debt to income from your income and monthly debt payments. For planning only — not a loan approval tool.
Income & monthly obligations
Front-end DTI = housing ÷ income. Back-end DTI = (housing + all debts) ÷ income.
Front-end DTI
27.7%
Conservative (under 28%)
Back-end DTI
37.7%
Elevated (36–43%)
Total monthly obligations: $2,450.00
Many lenders use 36% back-end and 28% front-end as reference lines — actual underwriting varies by loan type and lender.
DTI ratios for planning only — lenders may count income and debts differently than this estimate. Not a loan approval tool.
How this is calculated
Front-end DTI uses housing payment ÷ gross income. Back-end DTI adds other monthly debt payments to housing, divided by gross income. For a written walkthrough of how to calculate debt to income ratio, see our DTI how-to guide.
DTI ratio
DTI % = monthly debt payments ÷ gross monthly income × 100We use the income and debts you enter — not a credit pull or lender rules.
CFPB mortgage underwriting guides · Our methodology →
Related calculators
Common questions
Add your monthly debt payments, divide by gross monthly income, then multiply by 100. Front-end uses housing only; back-end adds other debts. This calculator does both — see our how-to-calculate-debt-to-income guide for a step-by-step walkthrough.