Debt-to-Income Ratio Calculator
Debt to income ratio calculator: divide monthly debt payments by gross income to see your DTI and how lenders may view it.
Editorial review: Farrow (pseudonym; identity and professional credentials are not disclosed). This page is for educational purposes, not professional advice.
Updated
Your inputs
Results update as you type. Nothing you enter leaves your device.
Results
- Front-end (housing) ratio
- 27.7%
- Total monthly debt
- $2,670.00
- Lender view
- Borderline
Example with the starting values
These results use the calculator's initial inputs. Change the values above to calculate your own estimate.
Inputs
- Gross monthly income
- 6500 $
- Rent or mortgage payment
- 1800 $
- Car loan payments
- 420 $
- Student loan payments
- 300 $
- Credit card minimums
- 150 $
- Other monthly debt
- 0 $
Results
- Back-end DTI ratio
- 41.1%
- Front-end (housing) ratio
- 27.7%
- Total monthly debt
- $2,670.00
- Lender view
- Borderline
How does the Debt-to-Income Ratio Calculator work?
Back-end DTI = total monthly debt payments ÷ gross monthly income × 100. Front-end DTI counts only housing costs (rent or mortgage with taxes and insurance).
Many mortgage lenders prefer a back-end DTI of 36% or less and often allow up to about 43% to 50% depending on the loan program and your credit. Use gross income, before taxes.
Frequently asked questions
What is a good debt-to-income ratio?
36% or lower is generally viewed as healthy. Above 43% can make it harder to qualify for a mortgage.
How can I lower my DTI?
Pay down balances, avoid new debt, or raise income. Paying off a small loan entirely removes its whole monthly payment.
What counts as debt in DTI?
Housing payment, car loans, student loans, minimum credit card payments and other required monthly debt. Groceries and utilities do not count.
Does DTI include taxes?
No. It uses gross income before taxes and compares it to monthly debt payments.