Debt to Income Ratio Calculator

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Debt-to-Income (DTI) Ratio Calculator (USA)
Estimate your front-end and back-end DTI ratios based on your gross monthly income and monthly debts, using guidelines commonly used by U.S. mortgage lenders.
Income & debts
Household gross monthly income
$
$
$
Use only income that is stable, predictable, and likely to continue (per typical lender rules).
Proposed housing payment (for front-end DTI)
$
$
$
$
$
Other monthly debts (for back-end DTI)
$
$
$
$
$
$
Results
Monthly snapshot
Total gross income (monthly) —
Housing payment (PITI + HOA) —
Other monthly debts —
Total monthly obligations —
DTI ratios
Front-end DTI (housing / income) —
Back-end DTI (housing + debts / income) —
Typical target (conventional) ≤ 36%–45%
Qualification commentary —
Visuals
Front-end vs back-end DTI
Income vs obligations