DEBT TO INCOME RATIO

Debt-to-Income Calculator

Estimate front-end and back-end debt-to-income ratios from gross monthly income, housing payments, and other recurring debt payments.

What DTI measures

Debt-to-income compares recurring contractual debt payments with gross monthly income. The housing ratio uses only the housing payment. Total DTI adds other debts such as auto loans, student loans, and credit-card minimums.

Housing ratio = housing payment ÷ gross monthly income
Total DTI = (housing payment + other debt payments) ÷ gross monthly income
Income after debt = gross monthly income − monthly debt payments

Example

$6,000 of gross monthly income with a $1,800 housing payment and $600 of other debt produces a 30% housing ratio, 40% total DTI, and $3,600 remaining before taxes and living costs.

Lenders may count income and debts differently

Underwriting rules vary by lender, loan program, and documentation. This page does not apply a qualifying threshold, credit score, or approval decision.

Frequently asked questions

Is DTI based on pre-tax or take-home pay?

This version uses gross monthly income, a common lender starting point. Cash-flow planning may use after-tax income separately.

What belongs in other debt payments?

Use the recurring contractual amounts you want to compare, such as auto, student, personal-loan, and credit-card minimum payments.

Does a lower DTI guarantee approval?

No. Lenders also review credit, assets, employment, property, and program rules.

Are groceries and utilities included?

No. DTI counts debt payments, not the rest of a household budget.

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Mortgage Calculator →Loan Payment Calculator →Credit Card Payoff Calculator →

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