Debt-to-Income (DTI) Ratio Calculator

Enter your monthly gross income and monthly debt payments to compute front-end and back-end DTI instantly.

How to Use

  1. Enter your gross monthly income (before taxes).
  2. Fill in monthly debt payments (housing + other debts). Leave unknown items blank.
  3. Review Front-End DTI (housing ÷ income) and Back-End DTI (total debt ÷ income).
  4. Use Copy Results or generate a Share Link if you want a restorable URL.
Inputs
All values are monthly. Use dollars without commas (example: 1850).
Before taxes and deductions. DTI is typically calculated using gross income.
Mortgage: principal + interest + taxes + insurance (and HOA if you include it).
Monthly payments for all vehicle loans/leases you want included.
Use required minimums (not the full balance).
Required monthly payments (or your payment plan amount).
Installment loans, consolidation loans, etc.
Only include if it’s a required ongoing monthly obligation.
Examples: IRS payment plans, judgments, required installment accounts.
Front-End DTI
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Housing ÷ Income
Back-End DTI
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Total Debt ÷ Income
Monthly Income
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Housing
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Other Debt
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Total Monthly Debt
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Tip: DTI is a ratio, not a credit score. Different lenders/programs use different guidelines.
Show Work (step-by-step)
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Formulas use monthly amounts. Percent is shown as (ratio × 100).

DTI Reference

  • Front-End DTI = Housing Payment ÷ Gross Monthly Income
  • Back-End DTI = (Housing + All Other Monthly Debts) ÷ Gross Monthly Income

“Monthly debts” usually means required payments that appear on credit + required obligations (example: support).

FAQ

Gross or net income?

DTI is most commonly computed using gross monthly income (before taxes).

Do utilities count as “debt”?

Usually no—utilities aren’t debt payments. Housing (PITI/rent) is counted, but not normal monthly bills unless a program explicitly requires it.

Do I use minimum payments for credit cards?

Yes—DTI typically uses the required minimum payment amount.

Tool Info

Last updated:

Updates may include improved edge-case handling, additional debt fields, and export/copy formatting.