Debt-to-Income Ratio Calculator

Front-end and back-end DTI ratios used in lending screens.

Debt-to-Income Ratio Calculator helps you front-end and back-end DTI ratios used in lending screens. Enter gross monthly income, housing payment, and other monthly debts, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the Debt-to-Income Ratio calculator does Debt-to-Income Ratio Calculator is built for money decisions — loans, savings, payments, and taxes. Front-end and back-end DTI ratios used in lending screens. You enter gross monthly income, housing payment, and other monthly debts, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter your Gross monthly income (pay before tax), your monthly Housing payment and your Other monthly debts such as car, card and student loan payments. Debt-to-income (DTI) = (housing + other debts) ÷ gross income, and housing-to-income = housing ÷ gross income. The results are compared with common lender guidelines of 28% for housing, and 36% and 43% for all debts. Day-to-day bills like food, utilities and phone are not counted as debt. The formula: De…