Debt-to-income ratio calculator
Underwriters look at two ratios: housing costs alone, and all debt together, each against gross income.
Back-end DTI
34.00%
- Front-end DTI (housing only)
- 25.33 %
- Monthly room left under a 36% limit
- 150.00
Show the working
- Gross monthly income = 7500
- Monthly housing cost = 1900
- Other monthly debt payments = 650
- Front-end DTI (housing only) = 1900 / 7500 * 100 = 25.3333
- Back-end DTI = (1900 + 650) / 7500 * 100 = 34
- Monthly room left under a 36% limit = 7500 * 0.36 - 1900 - 650 = 150
Values are shown to six significant figures here; the arithmetic itself runs on exact fractions and is only rounded where a number is printed.
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The formula
- front-end = housing / gross income
- back-end = (housing + other debts) / gross income
Gross means before tax. Using net income makes the ratio look worse than a lender would score it.
This is arithmetic, not financial advice. Real products carry fees, tax treatment and terms that no formula captures.