Debt-to-Income Ratio Calculator
Front-end and back-end DTI for mortgage qualification.
Enter your values
ⓘ Live results
Results
- Front-end DTI
- 25.33%
- Back-end DTI
- 34%
- Assessment
- Well within typical limits
- Max recommended debts at 36% DTI
- $2,700.00
Quick answer
Most lenders want back-end DTI (all debts including housing) under 36-43% of gross income, and front-end (housing only) under 28%.
DTI = total monthly debt payments / gross monthly income
How to use the Debt-to-Income Ratio Calculator
- 1Enter your gross (pre-tax) monthly income.
- 2Enter the proposed housing payment (principal, interest, taxes, insurance).
- 3Add up all other minimum monthly debt payments.
Worked example
Using the values the calculator loads with:
Inputs
- Gross monthly income7500 $
- Proposed housing payment1900 $
- Other monthly debt payments650 $
Results
- Front-end DTI25.33%
- Back-end DTI34%
- AssessmentWell within typical limits
- Max recommended debts at 36% DTI$2,700.00
Frequently asked questions
What counts as debt?
Minimum payments on loans, credit cards, alimony and child support — not utilities or groceries.
Can I qualify with a higher DTI?
Some loan programs allow up to 45-50% DTI with compensating factors like a large down payment or high credit score.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.