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EspañolDebt-to-income (DTI) ratio calculator
Calculate your front-end and back-end debt-to-income ratio, the numbers lenders use to approve a mortgage, car loan or personal loan.
What is my DTI?
Everything happens on your device: nothing is uploaded to the internet.
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Debt-to-income (DTI) ratio calculator: what it is for
Enter your gross monthly income and your monthly debt payments. The calculator shows your front-end ratio (housing only) and back-end ratio (all debts) and compares them with the limits lenders commonly use: 28/36, 43% for most mortgages and 50% as an upper limit.
It also shows how much more monthly debt you could take on and stay at 36%.
How to use
- Enter your gross monthly income.
- Enter housing and other debt payments.
- See your DTI and how lenders see it.
When to use it
- Preparing to apply for a mortgage.
- Checking if you can afford a new car loan.
- Tracking progress paying down debt.
Frequently asked questions
What is a good debt-to-income ratio?
Lenders like to see 36% or less in total debt payments. Many mortgages allow up to 43%, and some programs go to 50% with strong credit. Above that, approval is hard.
What is front-end vs back-end DTI?
Front-end counts only housing costs (mortgage or rent, property tax, insurance, HOA). Back-end counts all monthly debt payments. The classic rule is 28% front-end and 36% back-end.
What counts as debt?
Minimum payments on loans and cards, car and student loans, child support and housing. Utilities, groceries and insurance other than homeowners usually do not count.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.