Debt-to-Income Ratio Calculator
Last updated: July 2026
Calculate front-end and back-end debt-to-income ratios used in lending decisions.
Back-end DTI
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- Front-end DTI: —
- Income after listed debts: —
On this page
Quick summary: Calculate front-end and back-end debt-to-income ratios used in lending decisions. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Debt-to-Income Ratio Calculator compares recurring debt payments with gross income. Lenders often use DTI as one measure of how heavily current income is committed to debt.
How to use the calculator step by step
Enter gross income for the requested period and recurring debt payments for the same period. Convert annual values to monthly values if the page expects monthly inputs.
How the calculation works
DTI equals recurring monthly debt payments divided by gross monthly income, multiplied by 100. If monthly debt is 1,500 and gross income is 5,000, DTI is 30%.
Worked example and scenario testing
A borrower with 6,000 gross monthly income and 2,100 of recurring debt payments has a DTI of 35%. Adding a new 500 monthly obligation would raise the ratio to about 43.3%.
How to interpret your result
A lower DTI generally means less income is already committed to debt, but lender limits differ by product and borrower profile.
Accuracy, assumptions, and limitations
DTI does not capture all living expenses, assets, credit history, savings, taxes, or income stability. Lenders may also define qualifying debt differently.
Common mistakes to avoid
Do not use take-home income when the calculator or lender definition expects gross income. Also avoid mixing weekly and monthly amounts.
Privacy and browser-based calculations
Only income and debt amounts are needed. Never enter employer IDs, account numbers, or personal identifiers.