Debt-to-Income Calculator

Worked example

Example: $7,000/month income with a $1,800 housing payment and $600 in other debts gives a 26% front-end DTI and a 34% back-end DTI.

How it works

Enter your gross monthly income, housing payment, and other monthly debt payments. Front-end DTI is housing divided by income. Back-end DTI is total monthly debt divided by income. Ratings use common lender guidelines and are estimates only.

Limitations

Lenders use their own DTI definitions and may include or exclude certain debts. This is a planning estimate only.

Privacy and file handling

Your data stays on your device and is not uploaded.

Accuracy & methodology

This section documents how the calculator works, what it leaves out, and when results were last reviewed. Figures are educational estimates—not professional advice—and are not labeled "current" unless tied to automatically updated reference data.

Formula source or methodology

DTI = total monthly debt payments ÷ gross monthly income × 100.

Jurisdiction

US mortgage underwriting context (generic)

Unit system

Currency per month; percent DTI

Rounding method

Percentages round to two decimal places unless shown as whole percents in the UI.

Assumptions

• User-entered debts and income
• Gross income before tax

Known omissions

• Not tax, legal, investment, or lending advice. Confirm material decisions with qualified professionals.
• Lender-specific front-end vs back-end DTI definitions
• Proposed housing payment vs current debts only

Test cases (automated)

• $2k income, $500 debt → 25% DTI

Version & last verified

Logic version 1.0. Content and formulas last verified 2026-07-24.

Important notice

Results are estimates for educational purposes and are not financial advice. Lenders may use different formulas. Consult a qualified financial professional for personal guidance.