Debt-to-Income Ratio Calculator

Calculate the DTI ratio lenders use to decide how much you can borrow.

Please note: A screening figure, not a lending decision. Lenders define income and qualifying debts differently, and apply their own thresholds alongside credit history and affordability testing.

What the Debt-to-Income Ratio Calculator does

Debt-to-income compares your monthly debt payments to your gross monthly income. The front-end ratio counts housing alone; the back-end ratio counts every recurring debt payment. It is the single biggest factor in loan approval after credit score.

Formula

Front-end DTI = Housing payment ÷ Gross monthly income × 100
Back-end DTI = All monthly debt payments ÷ Gross monthly income × 100

Inputs explained

Input	Unit	Required	Notes
Gross monthly income	selected currency	Yes	Before tax. Accepts more than 0.
Monthly housing payment	selected currency	Optional	Rent or mortgage, plus tax and insurance. Accepts 0 or more.
Car payments	selected currency	Optional	Accepts 0 or more.
Credit card minimums	selected currency	Optional	Accepts 0 or more.
Other monthly debt	selected currency	Optional	Student loans, personal loans, child support. Accepts 0 or more.
Currency	one of 10 options	Optional	—

How to use it

Choose Currency.
Enter Gross monthly income.
Optionally add Monthly housing payment, Car payments and Credit card minimums.
Select Calculate.

Worked example

$7,000 gross monthly income, $1,900 housing, $450 car, $150 cards.

Income: 7000
Housing: 1900
Car: 450
Cards: 150

Back-end DTI = 2,500 ÷ 7,000 = 35.7% — just inside the healthy range.

Frequently asked questions

Which expenses count toward DTI?

Recurring debt obligations: housing, car loans, student loans, minimum card payments, alimony. Utilities, groceries, insurance and subscriptions do not.

How do I lower my DTI quickly?

Pay off a small loan entirely rather than chipping at a large one — removing a whole payment moves the ratio more than reducing a balance.