Debt-to-Income Ratio Calculator

Calculate front-end and back-end debt-to-income ratios and compare them with lender guidelines.

Income

Gross income

Gross pre-tax income. Lenders use gross, not take-home.

Pay frequency

Monthly housing (PITI)

Principal, interest, taxes, insurance, HOA, and mortgage insurance.

Itemise PITI

Principal & interest

Property tax

Homeowners insurance

HOA + MI

Other monthly debts

Debt	Monthly payment	Actions

Auto, student, credit-card minimums, child support, and alimony. Skip rent, utilities, groceries, insurance, and phone.

Housing DTI

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Total DTI

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Guideline tier —

Remaining monthly income — After listed debts; before taxes.

Common lender guideline comparison

Program	Housing max	Total max	Result

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How this is calculated

Income is normalized to a monthly gross amount. Housing DTI is monthly housing divided by monthly gross income. Total DTI adds the other listed debt payments before dividing by income.

Tier labels use the unrounded total DTI: ideal at 36% or below, borderline through 43%, high through 50%, and critical above 50%.

How we choose and check our formulas