Debt-to-Income Ratio Calculator

Enter your gross monthly income and your monthly debts to get your front-end and back-end debt-to-income ratios, with the thresholds lenders look at for context.

Work out the debt-to-income ratio lenders check before a mortgage. Enter your gross monthly income and your monthly debts to get your front-end and back-end DTI, with the usual approval thresholds for context.

Read the guide: How to Calculate Your Debt-to-Income Ratio (DTI)

Income & monthly debts

Back-end DTI — Healthy

35.00%

$2,100.00 of debt a month

Front-end (housing)
25.00%
Back-end (all debt)
35.00%

Guideline thresholds: 28% front-end / 36% back-end is comfortable; FHA loans often allow up to 31% / 43%. Lenders make the final decision and use gross income, not take-home pay.

How it works

  1. 1

    Enter your income

    Add your gross monthly income, before taxes and deductions.

  2. 2

    Enter your debts

    Add your housing cost and your other monthly debt payments.

  3. 3

    See both ratios

    View your front-end and back-end DTI with a plain-English rating.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

What is a good debt-to-income ratio?
Aim for a back-end DTI of 36% or lower and a front-end (housing) ratio of 28% or lower. Lenders may approve higher, but staying under these gives the most breathing room.
What is the difference between front-end and back-end DTI?
Front-end DTI counts only housing costs against gross income. Back-end DTI adds all other monthly debts like car loans, credit cards and student loans.
Does rent count in DTI?
Yes. Even though rent is not a loan, lenders count it as a recurring monthly obligation when working out your debt-to-income ratio.
Should I use gross or net income?
Use gross monthly income, your pay before taxes and deductions. Lenders always calculate DTI against gross income, not take-home pay.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

More tools

IBAN ValidatorCheck an IBAN and see the bank code, account number and BIC.IBAN CalculatorBuild a valid IBAN from a country, bank code and account number.IBAN GeneratorGenerate random valid example IBANs for testing and demos.Account Number CheckerValidate a German account number's check digit.BIC / Bank Code FinderLook up a German BIC from a bank code or bank name.Mortgage CalculatorMonthly payment with taxes, insurance and a full amortization schedule.

More from the Hivly network

Free sister tools on our other sites.

Length ConverterMetres, feet, miles, inches, km and more, instantly.Scientific CalculatorPowers, roots, trig, logs, memory and history.Age CalculatorExact age in years, months and days, plus your next birthday.