Debt to Income Calculator

Calculate your debt-to-income ratio. Most lenders require DTI of 43% or less for mortgage approval.

Enter Your Measurements

Gross Monthly Income($)

Total Monthly Debt Payments($)

Proposed Monthly Mortgage($)

Results

Back-End DTI (All Debts)

58.00

Front-End DTI (Housing Only)

28.00

Formula

Back-End DTI = (Total Debts / Monthly Income) × 100

How to Use This Calculator

How to Use

1
Enter your gross monthly income.
2
Enter all monthly debt payments (car, credit cards, student loans, etc.).
3
Enter your proposed monthly mortgage payment.
4
See if you'll qualify (below 43%).

Frequently Asked Questions

What's the difference between front-end and back-end DTI?

Front-end: Housing costs only (usually max 28%). Back-end: All debt payments including housing (usually max 43%).

How can I improve my DTI?

Increase income, pay down existing debts, or reduce the mortgage amount. Focus on paying off high-interest debt first.

In-Depth Guides

📖

What Is a Good Debt-to-Income Ratio? (DTI Guide)

Learn how debt-to-income ratio is calculated, what lenders consider good vs bad, the 43% rule for mortgages, and how to lower your DTI fast.

Related Calculators

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Mortgage Calculator

About This Calculator

This calculator uses the formula: Back-End DTI = (Total Debts / Monthly Income) × 100. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.

Built and maintained by the CalcSmart team. Last updated March 2026.

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