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Debt-to-Income (DTI) Ratio Calculator

Calculate front-end and back-end debt-to-income ratios from income, housing costs, and monthly liabilities.

ExampleSample values — edit any field to see your result.

Debt-to-Income (DTI) Ratio

33%

Estimated result

Assessment
Your DTI ratio is good.
Front-End DTI Ratio
24%
Total Income per Year
$60,000
Total Income per Month
$5,000
Total Debt per Year
$19,800
Total Debt per Month
$1,650
Potential New Housing Budget
$1,350per month
Estimated Affordable House Value
$193,634

Income Breakdown

Housing debts/expenses 24%, Other debts/expenses 9%, Remaining income 67%
  • Housing debts/expenses24%
  • Other debts/expenses9%
  • Remaining income67%
Debt-to-Income (DTI) Ratio33%
Combine income reported monthly or annually with housing expenses and other liabilities to calculate front-end and back-end debt-to-income ratios.

Formula

Front-end DTI = monthly housing costs ÷ gross monthly income. Back-end DTI = all monthly debt payments ÷ gross monthly income.

Examples

Default household

With $60,000 of annual income, $1,200 monthly rent, $200 credit cards, and a $250 auto loan, front-end DTI is 24% and back-end DTI is 33%.

Frequently asked questions

What is back-end DTI?
Back-end DTI divides all recurring housing and other debt payments by gross monthly income.
What is front-end DTI?
Front-end DTI includes housing expenses only, such as rent or mortgage, property tax, HOA fees, and homeowner insurance.
Should I use gross or take-home income?
Use income before tax because conventional DTI underwriting ratios are based on gross income.

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