Finance
Debt-to-Income Ratio Calculator
Calculate front-end and total debt-to-income ratios from gross income, housing obligations, and other monthly debt. The calculator uses DTI = monthly debt payments ÷ gross monthly income × 100. It returns more than one result so you can check the main answer against a useful secondary measure. Lower ratios leave more room for taxes, savings, and irregular expenses, but underwriting thresholds vary. A ratio is a screening metric, not loan approval or proof that a payment is affordable.
Educational scenario only. Confirm rates, fees, taxes, contract terms, and eligibility with the relevant institution or adviser.
Calculate and compare
Use the number box for precision or the slider for fast scenario testing.
Scenario results
Housing ratio
28.24%
Housing obligation divided by gross income.
Total DTI
42.94%
All entered required payments divided by gross income.
Income after entered debts
$4,850
Before taxes and living expenses.
How the calculation works
Use consistent units and retain full precision until the final display step.
Worked example
Reproduce the displayed scenario, then change one assumption at a time.
Assumptions behind the result
- • Inputs use the units shown beside each control.
- • The displayed formula is applied without hidden market or demographic data.
- • Rounding occurs only for display; calculations keep full numeric precision.
- • Lower ratios leave more room for taxes, savings, and irregular expenses, but underwriting thresholds vary.
- • A ratio is a screening metric, not loan approval or proof that a payment is affordable.
Mistakes that change the answer
- • Mixing percentages with decimals or mixing incompatible units.
- • Relying on a rounded intermediate value instead of the full result.
- • Changing several assumptions at once instead of testing gross monthly income separately.