Calculate your true Debt-to-Income ratio in seconds. Combine mortgages, loans, cards, and other obligations with multiple income sources. See monthly versus annual views, front-end and back-end DTI, and lending risk bands. Export results, print a summary, and get actionable tips to lower DTI. Built for accuracy, clarity, and serious financial planning. Compare scenarios, track affordability, and share insights with stakeholders.
Your Debt-to-Income (DTI) ratio compares your total required monthly debt payments to your gross monthly income. It helps lenders gauge how much additional debt you can realistically manage.
Use the formula: DTI = (Total monthly debt payments ÷ Gross monthly income) × 100%. Enter all required monthly debt payments and your before-tax monthly income; the tool computes the percentage.
Include minimum payments on: mortgages or rent obligations, home equity loans/HELOCs, auto loans, student loans, personal loans, credit cards, BNPL/financing plans, alimony/child support (if applicable), and any other required installment or revolving debt payments.
Most lenders use gross income (before taxes and deductions). If you enter net income, your DTI will appear higher than what lenders typically calculate.
Lower is better. Many lenders prefer total (back-end) DTI at or below the mid-30% range, may consider up to about 43% in some cases, and sometimes higher with strong compensating factors. Standards vary by lender and loan type.
Front-end DTI includes only housing costs (mortgage/rent, taxes, insurance, HOA). Back-end DTI includes housing plus all other monthly debts. Mortgage decisions usually focus on the back-end DTI.
If a required monthly payment is shown on your credit report or statement, use that amount. If payments are deferred or not listed, some lenders estimate a payment (for example a small percent of the balance). Rules vary by program.
Lenders often average variable income over 12–24 months. For a quick estimate, enter a conservative monthly average from your recent history. Documentation standards differ by lender.
Exclude discretionary and non-debt expenses such as utilities, subscriptions, groceries, gas, daycare (unless contractually required debt), insurance premiums, and taxes withheld from pay. Only include required debt payments.
Pay down revolving balances to lower minimums, refinance or consolidate to reduce payments, avoid new debt, increase income (overtime, side work, co-borrower), or extend loan terms cautiously. Always weigh interest costs against lower payments.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.