Debt-to-Income Ratio Calculator

Lenders compare your monthly debt payments with your gross monthly income. The back-end ratio (all debts) and front-end ratio (housing only) are the two numbers mortgage underwriters rely on most.

As a rough guide, a back-end ratio under 36% is considered healthy and many mortgage programs cap it at 43–50%.

The formula

Back-end DTI = Total monthly debt ÷ Gross monthly income × 100

Worked example

On $5,000 gross monthly income with $1,500 of debts, the back-end DTI is 30% — comfortably inside most lender limits.

The example is pre-loaded in the result panel — press Calculate with your own numbers to replace it.

Frequently asked questions

What counts as a debt payment?

Minimum required monthly payments: housing (rent or mortgage + tax/insurance), car loans, student loans, credit card minimums and other installment debts. Utilities and groceries do not count.

How can I lower my DTI quickly?

Paying off a small loan entirely removes its whole payment from the ratio, which usually helps more than spreading the same money across several balances.

Category: Finance calculators

Sources & methodology

This calculator applies the formula shown on this page exactly as written, using the standard definitions for its inputs. Results are computed from the values you enter — no data is stored — and are rounded only for display.

Content last reviewed 2026-10-21 by CalcHub Editorial.

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Back-end ratio (all debts)	30.00%
Front-end ratio (housing only)	24.00%
Total monthly debt	$1,500.00

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