Debt-to-income calculator
The first number lenders check. Enter three amounts and see your two DTI ratios, what they mean, and how much room you have under common guidelines.
Your debt-to-income ratios
24.0%
Front-end housing ÷ income
30.0%
Back-end housing + debts ÷ income
Comfortable under the most common guideline (36%). Most lenders see room here.
- Gross monthly income
- $7,500
- Housing + debts
- $2,250
- Left each month (before taxes)
- $5,250
Educational estimate only — guideline comparisons are informational and never a qualification, pre-approval, or lending advice.
The two ratios, explained
Front-end ratio
Your housing payment divided by your gross monthly income. Guidelines often want this at or below 28% — it answers "how much of your paycheck goes to the roof over your head?"
Back-end ratio
Housing plus all recurring debt payments, divided by income. This is the number lenders care about most; 36% is the classic guideline, and many programs stretch to 43%.
What counts as debt
Loan and card payments that appear on your credit report: car loans, student loans, minimum card payments, personal loans. Groceries, utilities, and subscriptions don't count here.
Ratios look fine? See how much home you can afford or the monthly payment at a specific price.