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Back-End Debt-to-Income (DTI) Ratio Calculator

Back-end DTI = (housing + all other debt) / gross monthly income.

Compute the back-end debt-to-income ratio used by mortgage underwriters: sum of monthly housing payment (PITI) plus every other recurring debt obligation (car loans, credit-card minimums, student loans, child support) divided by gross monthly income. Conventional limits ≤ 36 %; aggressive lenders may go to 43-50 %.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Back-end DTI = (housing + other debts) / gross income.

In depth

Compute the back-end debt-to-income ratio used by mortgage underwriters: sum of monthly housing payment (PITI) plus every other recurring debt obligation (car loans, credit-card minimums, student loans, child support) divided by gross monthly income. Conventional limits ≤ 36 %; aggressive lenders may go to 43-50 %.