Free Calculator

Debt-to-Income (DTI) Calculator

Enter your gross monthly income and monthly debt obligations. The calculator returns both front-end (housing) and back-end (total-debt) DTI ratios.

Gross monthly income ($)

Housing payment (PITI or rent) ($)

Auto loans ($)

Student loans ($)

Credit card minimums ($)

Other debts ($)

Front-end DTI (housing / income)

26.7%

Commonly compared to a 28% guideline.

Back-end DTI (all debts / income)

38.8%

Acceptable — inside the qualified-mortgage threshold

Estimate only — not an offer or approval decision

Assumptions used

Gross monthly income is pre-tax.
Housing payment reflects principal, interest, taxes, and insurance (PITI) — or rent if not a homeowner.
Credit-card figure is the minimum required payment, not the full balance.
Alimony, child support, and similar court-ordered payments should be added to 'Other debts'.

Not included in this estimate

Business or investment property debt (lenders treat this differently)
Utility bills, insurance premiums, streaming subscriptions
Non-reporting personal loans from family
Compensating factors lenders may consider (reserves, credit depth)

Real rates, payments, and eligibility depend on the lender or issuer, your credit profile, and current market conditions. Verify current terms directly with the provider before making a financial decision.