Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio the way lenders do.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter gross monthly income
Before taxes.
Enter housing costs
Rent or mortgage + tax + insurance.
Add other debts
Minimum payments on everything else.
What Is DTI?
Debt-to-income ratio is your monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to judge whether you can afford new payments.
Two versions matter: front-end DTI (housing costs ÷ income) and back-end DTI (all debt payments ÷ income). Conventional mortgages typically cap back-end DTI at 36–43%, though some programs allow more.
The Formula
Front-end includes mortgage payment, property tax, insurance and HOA. Back-end adds car loans, credit cards, student loans and all other monthly obligations.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
What is a good DTI?
Below 36% is generally strong; 36–43% is typical for mortgage approval; above 43–50% makes borrowing much harder.
What is the difference between front-end and back-end DTI?
Front-end is housing costs only; back-end includes all debts. Most lenders focus on back-end.
How do I lower my DTI?
Pay down debts, increase income, or reduce housing costs. The calculator shows your current ratio to plan against.
Do lenders include rent in DTI?
For mortgages, yes — current rent or the prospective housing payment counts in front-end DTI.
What counts as monthly debt?
Minimum payments on credit cards, loans, leases and any other recurring obligations — not utilities or food.