Financial
Debt-to-Income Ratio Calculator
Report an issue with this tool
Using the Debt-to-Income Ratio Calculator
Your Debt-to-Income (DTI) ratio is one of the most important factors lenders use to determine your ability to repay a loan. This tool calculates both your front-end DTI (housing costs only) and back-end DTI (all monthly debt obligations), helping you see if you qualify for a mortgage or auto loan.
How it Works
1
Enter your total "Gross Monthly Income" (before taxes).
2
Input your monthly housing costs (rent or mortgage).
3
Add all other monthly debt payments (credit cards, loans, child support).
4
Review your DTI percentage and see how it compares to standard lender limits (typically 36-43%).
Technical Formula
DTI = (Total Monthly Debt / Gross Monthly Income) x 100