Debt-to-Income (DTI) Ratio Calculator
Find your front-end and back-end debt-to-income ratios and how they compare with lenders' limits.
Change the values and press Calculate to work out your own figures.
Enter your gross income and monthly debts.
Show the working
- DTI = monthly debts ÷ gross monthly income
How to use it
Enter your gross income and monthly debts.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
back-end DTI = (housing + other debts) ÷ gross monthly income; front-end = housing ÷ income
Limits
Lenders usually want 36% or less back-end (43% for many qualified mortgages, 50% at most); 28% front-end.
Questions
What is the DTI with $1,650 of debts on $5,000 a month?
33%.
Formulas
back-end DTI = (housing + other debts) ÷ gross monthly income; front-end = housing ÷ income
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.