Debt-to-Income Ratio Calculator
财务Calculate front-end and back-end DTI ratios for mortgages, lending, and budgeting.
Monthly debt inputs
Capacity checkpoints
Debt mix
如何使用 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.
Add gross monthly income
Use income before taxes and deductions so the ratio matches how lenders usually calculate it.
List recurring debts
Include housing plus any car, student, personal loan, or card minimum payments.
Review the ratios
Compare your front-end and back-end DTI to common 28%, 36%, and 43% checkpoints.
Check your room
See how much debt capacity you have left, or how far over typical lending guidelines you are.