Debt-to-Income Ratio Calculator - Free DTI Tool Online
Calculators
4.8
Active
Calculate your debt-to-income ratio free. Front-end and back-end DTI with lender thresholds.
Updated Jul 30
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Tool Interface
Your Income
Housing Costs (monthly)
Other Monthly Debts
Use minimum required payments, not what you voluntarily pay extra. Lenders calculate with minimums.
Front-End DTI (housing)
0%
0%28%50%100%
Back-End DTI (all debts)
0%
0%36%50%100%
—
Breakdown
How to use
- Enter your gross monthly income — before taxes. Divide your annual salary by 12.
- Add housing costs — mortgage or rent plus tax, insurance and HOA if they apply.
- Add other monthly debts — use minimum payments for car loans, student loans and cards.
- Hit Calculate — compare your back-end DTI against lender thresholds: under 36% is the comfort zone.
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About This Tool
About This Tool
The Debt-to-Income Calculator shows the exact ratio mortgage, auto, and personal loan lenders use to judge your application. Enter your gross monthly income and monthly debt payments to see your front-end DTI (housing costs) and back-end DTI (all debts), each graded against standard lender thresholds.
Key Features
- Front-end and back-end DTI calculated side by side
- Color-coded verdict: Healthy, Caution, High, or Critical
- Visual bars with lender threshold markers
- Full payment breakdown with totals
- Personalized tip based on your result
- Works on desktop and mobile, no signup needed
How to Use
- Enter your gross monthly income before taxes.
- Add housing costs: mortgage or rent, property tax, insurance, HOA.
- Add other monthly debts using minimum payments.
- Click Calculate My DTI and compare against the 36 percent comfort zone.
Category: Calculators
Tool Information
Category
Calculators
Updated
Jul 30
Status
Active
Rating
4.8
Type
Free Tool
23,232 people used this tool
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