Debt-to-Income Ratio Calculator
Calculate front-end and back-end DTI for mortgage affordability planning.
This page is an editable estimator with realistic defaults so you can model your own situation in minutes.
Front-end DTI equals housing payment divided by gross income.
Back-end DTI includes housing plus other monthly debts.
| Other monthly debts | $1,050 |
|---|
Assumptions
- Lenders may allow higher or lower DTI depending on loan program and compensating factors.
How this calculator works
Formula used
Front-end DTI equals housing payment divided by gross income. Back-end DTI includes housing plus other monthly debts.
Example calculation
Plug in your own numbers and the result updates instantly. Front-end DTI equals housing payment divided by gross income. Back-end DTI includes housing plus other monthly debts.
Debt-to-Income Ratio Calculator FAQ
Is this debt-to-income ratio calculator exact?
No. It is a U.S.-focused estimate for planning. Actual mortgage quotes, taxes, insurance, fees, HOA dues, lender rules, and local real estate costs can vary.
What numbers should I enter?
Use current lender quotes, county tax estimates, insurance quotes, HOA dues, and realistic purchase or rent assumptions whenever possible.
Is this mortgage or real estate advice?
No. The result is educational only and is not financial, mortgage, tax, legal, or real estate advice.