Debt-to-Income Calculator
Calculate debt-to-income from your own entered figures.
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
What this tool does
Calculate debt-to-income from your own entered figures. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
How to use the Debt-to-Income Calculator
- Enter or select gross monthly income.
- Enter or select monthly housing payment (piti + hoa).
- Enter or select other monthly debt payments.
- Read the calculated result; change any measurement to compare alternatives.
Formula
front-end ratio=housing payment/gross monthly income×100; back-end ratio=(housing payment+other monthly debts)/gross monthly income×100
- income
- Gross monthly income
- housing
- Monthly housing payment (PITI + HOA)
- debts
- Other monthly debt payments
User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
Worked example
For debt-to-income calculator, the following measurements illustrate the exact method: Gross monthly income: 8000; Monthly housing payment (PITI + HOA): 1800; Other monthly debt payments: 700.
Inputs
- Gross monthly income8000
- Monthly housing payment (PITI + HOA)1800
- Other monthly debt payments700
Result
- Front-end (housing) ratio (%)22.5
- Back-end (total debt-to-income) ratio (%)31.25
- Total monthly debt payments$2,500.00
- Maximum housing payment at the 28% guideline$2,240.00
- Room for other debts under the 36% guideline$1,080.00
Results explained
- Front-end (housing) ratio (%)
- Front-end (housing) ratio (%) from the formula above. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
- Back-end (total debt-to-income) ratio (%)
- Back-end (total debt-to-income) ratio (%) from the formula above. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
- Total monthly debt payments
- Total monthly debt payments from the formula above. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
- Maximum housing payment at the 28% guideline
- Maximum housing payment at the 28% guideline from the formula above. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
- Room for other debts under the 36% guideline
- Room for other debts under the 36% guideline from the formula above. User-entered property figures only. Estimates exclude costs not entered and are not investment advice. Lenders use gross (pre-tax) income and the minimum payments showing on your credit report; guideline percentages are conventions, not guarantees of approval.
Frequently asked questions
A long-standing lender guideline: housing costs should stay near or below 28% of gross income (the front-end ratio) and all debts together near or below 36% (the back-end ratio). Many loan programs allow higher back-end ratios, so treat 28/36 as a conservative benchmark, not a hard limit.
Payments that appear on your credit report or loan application: auto loans, student loans, credit-card minimum payments, personal loans, and the new housing payment including tax, insurance and HOA. Utilities, groceries, phone and subscriptions are normally not counted.
Lenders use gross monthly income — pay before taxes and deductions. Using take-home pay produces a higher, more conservative ratio that does not match how your application is scored.
Yes. Lenders use PITI — principal, interest, property tax and homeowner insurance — plus HOA dues and mortgage insurance where they apply. Enter the full expected payment, not just principal and interest.
Pay down revolving balances so minimum payments fall, avoid taking new credit before applying, increase documented income, or target a lower housing payment. Paying a card's balance matters only if it reduces the reported minimum payment.
Yes — a back-end ratio around 31% sits comfortably under the 36% guideline and within the range most mortgage programs accept, though approval also depends on credit score, reserves and the loan program.