Debt-to-Income Ratio Calculator
Compare monthly housing and debt payments with gross monthly income.
Monthly amounts
Housing expenses
Other monthly debt payments
Detailed Breakdown
Income input
Enter gross monthly income before tax and deductions. If you only know annual income, divide by 12 before entering it.
Housing ratio
Housing ratio = monthly rent or mortgage + property tax + insurance/association costs, divided by gross monthly income.
Back-end DTI
Back-end DTI = housing costs plus the listed card, auto, student, and other debt payments, divided by gross monthly income. Remaining income subtracts only the entered items.
Limits
Lenders use different thresholds by country, loan type, and applicant profile. The ratios are informational and do not predict approval or include taxes withheld from income, utilities, or unlisted expenses.
Examples
With gross monthly income of 5,000, housing costs of 1,200, and other listed debt payments of 450, the housing ratio is 24% and back-end DTI is 33%.
FAQ
Should I use gross or take-home income?
This calculator uses gross monthly income before taxes and deductions.
Does a low DTI guarantee approval?
No. Lenders also consider credit history, assets, loan details, and local rules; thresholds vary.
Why is remaining income higher than my actual cash left?
The result subtracts only the entered housing and debt amounts. Taxes withheld, utilities, food, and other living costs are not included.
Related Calculators
- Budget Calculator — include broader expenses and savings.
- Loan Calculator — estimate a proposed fixed-rate payment.
- Mortgage Calculator — explore home-loan payments and costs.
Internal links: review full monthly cash flow in the Budget Calculator and estimate a proposed payment with the Loan Calculator.