Debt-to-Income Ratio Calculator

Front-end and back-end debt-to-income ratios, checked against the 28/36 rule lenders use. Results update as you type.

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Cost breakdown

How this calculator works

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Results are estimates for education only and are not financial advice.

What counts as a housing expense?

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Debt-to-income formulas

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How the ratios are calculated, step by step

1. Add up all monthly debts: housing plus auto, credit card minimums, student loan, and other debts.
2. Divide the housing expense by gross monthly income for the front-end ratio.
3. Divide total monthly debts by gross monthly income for the back-end ratio.
4. Compare each ratio with its guideline, 28% front-end and 36% back-end, and work out the maximum payments each limit allows.

Worked example

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Can I still get a mortgage above 36% back-end?

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How can I lower my DTI?

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