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Debt-to-Income Ratio Calculator

Front-end and back-end DTI as a percentage.

Compute the front-end DTI (housing payment / gross income) and the back-end DTI (housing + all other debt payments / gross income) — the two ratios used by mortgage underwriters when sizing your loan.

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

Front DTI = housing / income · 100. Back DTI = (housing + other_debts) / income · 100.

In depth

Compute the front-end DTI (housing payment / gross income) and the back-end DTI (housing + all other debt payments / gross income) — the two ratios used by mortgage underwriters when sizing your loan.

Frequently asked questions

Most conventional mortgage lenders prefer a total DTI at or below 43%, with many targeting 36% or less. Lower is better.