Debt-to-Income Ratio Calculator
Find your debt-to-income ratio — the share of your gross income that goes to debt payments each month. Lenders often look at it when you apply for a mortgage or other loan.
35%
Debt-to-income ratio
25%
Housing ratio (front-end)
$2,100.00
Total monthly debt
$6,000.00
Gross monthly income
36% or less — within the range lenders commonly describe as comfortable.
DTI = total monthly debt payments ÷ gross monthly income × 100. Lenders set their own limits and also look at credit history, savings and the loan type — 36% and 43% are only commonly cited reference points, not approval rules. Leave out everyday bills such as groceries, utilities and phone plans. To see how a new mortgage payment would change your ratio, estimate it with the Mortgage Calculator.
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How to use debt-to-income ratio calculator
- 1Enter your gross (before-tax) income, monthly or annual.
- 2Enter your rent or mortgage payment.
- 3Add your other monthly debt payments: car loan, student loans, credit card minimums and other loans.
- 4Read your DTI ratio, your housing (front-end) ratio and your total monthly debt.
About this tool
Debt-to-income ratio = total monthly debt payments ÷ gross monthly income × 100. Someone earning $6,000 a month before tax with $2,100 of debt payments has a DTI of 35%. The housing-only version (rent or mortgage ÷ income) is called the front-end ratio; the version with all debts is the back-end ratio, which is what most people mean by DTI.
Count recurring debt payments only — minimum card payments, loans, leases, child support. Everyday bills such as groceries, utilities, insurance and phone plans are usually left out.
Lenders set their own limits and also weigh credit history, savings and the type of loan. Figures such as 36% and 43% are often mentioned as reference points, but they aren't approval rules. This calculator is for estimating and planning, not financial advice.
Frequently asked questions
Lower is better. 36% or less is often described as comfortable, and many lenders still consider ratios up to about 43%, but each lender sets its own limits.
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