Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios, the figures lenders use to judge loan affordability.
Your inputs
Results
Debt-to-income ratio (back-end)
37.5%
- Housing ratio (front-end)
- 25%
- Total monthly debt payments
- $2,250.00
- Room left under a 36 % limit
- -$90.00
✓Exact calculation — rounded only for display
Inputs are never added to links for financial, salary or health calculators.
What this calculator does
DTI compares your monthly debt payments with your gross monthly income. Lenders use it to judge whether you can take on a new loan; it is also a useful personal health check.
Formula and method
Worked example
Calculated by this tool with its default inputs:
Inputs
- Gross monthly income: 6000 (any currency)
- Monthly housing payment (rent or mortgage incl. tax & insurance): 1500 (any currency)
- Car loan payments: 400 (any currency)
- Student loan payments: 250 (any currency)
- Minimum credit card payments: 100 (any currency)
- Other debt payments: 0 (any currency)
Results
- Debt-to-income ratio (back-end): 37.5%
- Housing ratio (front-end): 25%
- Total monthly debt payments: 2,250
- Room left under a 36 % limit: -90
How to read the results
Many lenders prefer a back-end ratio at or below about 36 %, though limits vary widely by loan type. A negative “room” figure means you are above that guideline.
Assumptions and limitations
- Include minimum required payments, not what you choose to pay.
- Utilities, groceries and insurance (other than in the housing payment) are usually excluded.
Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.
Questions
Is DTI based on gross or net income?
Gross income before tax, by lending convention.
Methodology and verification
- Result type
- Exact mathematical calculation (rounded only for display)
- Formula version
- 1.0
- Automated verification
- 2 reference and validation test cases, checked against independently computed values. The site cannot be built if any of them fail.
- Editorial review
- Awaiting human editorial review. The explanation was drafted with AI assistance; the formula and examples are verified by the automated tests above.
Privacy
Everything you enter is calculated in this browser and is not sent to Numerith or anyone else. Because this calculator can involve personal financial or health details, your inputs are never added to share links or saved to history. Privacy policy