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Debt-to-Income (DTI) Calculator

Calculate front-end and back-end debt-to-income (DTI) ratios for mortgage qualification.

Also known as: calculate debt to income ratio calculator, dti calculator, calculate debt-to-income ratio, debt finance, debt calculate debt-to-income ratio

Inputs

Results update when you click Calculate DTI.

Back-end DTI

35.9%

  • Front-end DTI (housing only)28.2%
  • Total monthly debt$3,050.00
  • Gross monthly income$8,500.00

Guideline note

Many lenders target ≤43% back-end

35.9

Within typical guidelines

≤36%36–43%>43%
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What this result means

Calculate front-end and back-end debt-to-income (DTI) ratios for mortgage qualification. Front-end DTI = Housing ÷ Income. Back-end DTI = (Housing + Other debt) ÷ Income.

Assumptions

  • Rule dependency: Universal formula / market assumptions.

DTI

Front-end DTI = Housing ÷ Income. Back-end DTI = (Housing + Other debt) ÷ Income.

Example

$2,400 housing + $650 other debt on $8,500 income → 35.9% back-end DTI.

Frequently asked questions

What DTI do lenders use?+

Programs vary; 28/36 or 31/43 rules are common starting points before compensating factors.