Using the calculator
Enter Gross monthly income, Housing payment, Auto loans, Student loans, and the other fields shown. Calculate front end and back end debt to income ratios and compare current debt load with common underwriting reference points.
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Debt to Income Ratio Calculator
Calculate front end and back end debt to income ratios and compare current debt load with common underwriting reference points.
Enter your financial details
Use current balances, rates, payments, income, costs, or tax figures that match the scenario. The debt to income ratio tool uses those values to produce an estimate you can compare and plan around.
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Housing ratio—
Total DTI—
Monthly debt counted—
Room to 36% reference—
Room to 43% reference—
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How to use this calculator
Reading the result
The result shows front end and back end debt to income ratios and compare current debt load with common underwriting reference points.
Results are estimates based on the values entered. Review the Methodology and Calculator Disclaimer for important limitations.
Common questions
What does DTI compare?
Debt to income ratio compares qualifying monthly debt obligations with gross monthly income. It is one measure lenders may use to evaluate debt load.
Does every lender count the same debts?
Not always. Program rules and lender policies can differ, so a general DTI result is a planning estimate rather than an underwriting decision.
Can a low DTI guarantee approval?
No. Credit, income documentation, assets, property information and loan program rules can also affect an approval decision.
Related reading
Want the context behind the numbers?
Read DTI with other real estate metrics →