Debt-to-Income Ratio Calculator

DTI compares monthly debt obligations to gross monthly income. Mortgage underwriters use it to judge whether you can handle a new housing payment on top of...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

Related: Mortgage Payoff CalculatorHouse Affordability CalculatorMortgage CalculatorAmortization Calculator

Introduction

DTI compares monthly debt obligations to gross monthly income. Mortgage underwriters use it to judge whether you can handle a new housing payment on top of existing debts.

Debt-to-Income Ratio (DTI)

DTI compares monthly debt obligations to gross monthly income. Mortgage underwriters use it to judge whether you can handle a new housing payment on top of existing debts.

Front-End DTI

Divide proposed housing payment (PITI) by gross income. Conventional lenders often prefer front-end DTI at or below 28%, though exceptions exist with strong credit and reserves.

Back-End DTI

Add car loans, student loans, minimum credit card payments, and other recurring debts to housing, then divide by gross income. Back-end DTI is typically capped around 36-50% depending on loan program.

Improving Your DTI

Pay down revolving balances, avoid new loans before applying, or increase documented income. Even paying off a small installment loan can remove its monthly payment from the ratio entirely.

Related Tools

House Affordability Calculator, Mortgage Calculator, Debt Payoff Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Debt-to-Income Ratio Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Monthly payment (amortizing loan): M = P * [r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly rate (APR/12), and n is number of months.

FAQ

Yes. CDCalculator.io provides the Debt-to-Income Ratio Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about mortgage & real estate products.