Debt-to-Income Ratio Calculator
Front-end and back-end DTI ratios lenders use to judge applications.
Quick answer
- Formula: Back-end DTI = Total monthly debt ÷ Gross monthly income × 100
- Worked example — Back-end ratio (all debts): 30.00% (full example below).
Debt-to-Income Ratio Calculator
| Back-end ratio (all debts) | 30.00% |
| Front-end ratio (housing only) | 24.00% |
| Total monthly debt | $1,500.00 |
On $5,000 gross monthly income with $1,500 of debts, the back-end DTI is 30% — comfortably inside most lender limits.
Lenders compare your monthly debt payments with your gross monthly income. The back-end ratio (all debts) and front-end ratio (housing only) are the two numbers mortgage underwriters rely on most.
As a rough guide, a back-end ratio under 36% is considered healthy and many mortgage programs cap it at 43–50%.
The formula
Worked example
On $5,000 gross monthly income with $1,500 of debts, the back-end DTI is 30% — comfortably inside most lender limits.
The example is pre-loaded in the result panel — press Calculate with your own numbers to replace it.
Frequently asked questions
What counts as a debt payment?
Minimum required monthly payments: housing (rent or mortgage + tax/insurance), car loans, student loans, credit card minimums and other installment debts. Utilities and groceries do not count.
How can I lower my DTI quickly?
Paying off a small loan entirely removes its whole payment from the ratio, which usually helps more than spreading the same money across several balances.
Category: Finance calculators
Sources & methodology
This calculator applies the formula shown on this page exactly as written, using the standard definitions for its inputs. Results are computed from the values you enter — no data is stored — and are rounded only for display.
Content last reviewed by CalcHub Editorial.
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