Debt-to-Income Ratio Calculator

Calculate your front-end and back-end debt-to-income (DTI) ratios. Lenders use DTI to determine mortgage eligibility — most require a back-end DTI below 43% for conventional loans.

DTI Ratio Calculator

DTI Guidelines

Front-End DTI = Housing / Gross Monthly Income Back-End DTI = All Debts / Gross Monthly Income Ideal: Front-End ≤ 28%, Back-End ≤ 36% Conventional max: Back-End ≤ 43–45% FHA max: Back-End ≤ 50% (with compensating factors) VA/USDA: Back-End ≤ 41%

Frequently Asked Questions

What is the 28/36 rule?+
The 28/36 rule is a traditional guideline: spend no more than 28% of gross income on housing (front-end DTI) and no more than 36% on all debts combined (back-end DTI). Staying within these limits generally indicates healthy debt management. Many lenders allow higher DTIs today, but the 28/36 rule is a sound financial planning target.
What counts as debt in DTI?+
DTI includes all monthly minimum debt payments: mortgage/rent, car loans, student loans, credit card minimums, personal loans, and child support/alimony. It does NOT include utilities, groceries, insurance, subscriptions, or savings contributions. Only recurring debt obligations that appear on a credit report are typically counted.

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About the Debt To Income Calculator

This free debt to income calculator helps you get accurate results instantly without needing to work through the math manually. Whether you need a quick estimate or a precise figure, having a reliable tool on hand saves time and reduces errors compared to manual calculation.

How to Use This Calculator

  1. Enter your values in the input fields above. Each field is labeled to guide you.
  2. Double-check your inputs — results are only as accurate as the numbers you enter.
  3. Click the Calculate button to see your result instantly.
  4. Use the result for your planning, budgeting, or decision-making.

Why Accurate Calculations Matter

Small errors in financial calculations can compound into significant problems. A 1% miscalculation in a budget or measurement can translate to hundreds or thousands of dollars in wasted resources, or result in having to redo work entirely. This calculator uses the standard formulas and methods to give you reliable results you can trust.

Tips for Getting the Best Results

Frequently Asked Questions

Is this calculator free? Yes — completely free with no account, login, or payment required. Use it as many times as you need.

How accurate are the results? This calculator uses the standard formulas for debt to income calculations. Results are accurate for typical use cases. For specialized or high-stakes applications, consult a professional.

Does it work on mobile? Yes. This calculator is fully responsive and works on smartphones, tablets, and desktops.