Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio compares your monthly debt payments to your monthly income. Lenders use it to assess affordability.
Inputs
$
Before-tax income
$
Rent or mortgage (PITI)
$
$
$
$
Your results
Back-end DTI ratio
0.0%
Your debt-to-income ratio is in a healthy range.
Front-end (housing) ratio0.0%
Back-end (all debts) ratio0.0%
Total monthly debt$0
A lower DTI gives you more options. This is an estimate; lender standards vary.
Assumptions: DTI uses monthly minimum payments, not balances. 'Front-end' is housing only; 'back-end' includes all debts. Many lenders prefer a back-end ratio below 36%.
Results are estimates for educational purposes only. They are not legal or financial advice and do not guarantee any particular outcome. Actual figures depend on your specific circumstances, interest rates, and state law.