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Debt-to-Income Ratio Calculator

Finance

Calculate front-end and back-end DTI ratios for mortgages, lending, and budgeting.

ttb run debt-to-income-calculator

Monthly debt inputs

Back-end DTI
41.7%
Total recurring debt ÷ gross monthly income.
Front-end ratio
28.2%
Total monthly debt
$3,250
Lenders often like to see housing around 28% of gross income and total debt around 36%, though some programs stretch closer to 43%.

Capacity checkpoints

Max housing at 28%
$2,184
Typical backend target
$2,808 total debt budget
$442 over
Upper conventional cap
$3,354 total debt budget
$104 room left

Debt mix

Housing payment$2,200
Car loans$450
Student loans$300
Credit cards$180
Other debts$120
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How to Use Debt-to-Income Ratio Calculator

Enter your gross monthly income and each recurring monthly debt payment, including housing, auto loans, student loans, credit card minimums, and anything else a lender would count. The calculator shows both front-end DTI (housing only) and back-end DTI (all recurring debts), plus common threshold targets that are helpful for mortgage shopping, refinancing, apartment applications, and budget planning.

1

Add gross monthly income

Use income before taxes and deductions so the ratio matches how lenders usually calculate it.

2

List recurring debts

Include housing plus any car, student, personal loan, or card minimum payments.

3

Review the ratios

Compare your front-end and back-end DTI to common 28%, 36%, and 43% checkpoints.

4

Check your room

See how much debt capacity you have left, or how far over typical lending guidelines you are.

Frequently Asked Questions

What is the difference between front-end and back-end DTI?+
Front-end DTI looks only at housing costs versus gross income, while back-end DTI includes housing plus all other recurring debt obligations.
Do all lenders use the same DTI limits?+
No. The exact cutoff depends on the loan program, credit profile, reserves, and compensating factors, but 36% and 43% are common reference points.

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Free Debt-to-Income Ratio Calculator | Front-End & Back-End DTI | TinyToolbox