ConvertOnlineDebt-to-Income Ratio Calculator for Housing and Total Debt
Report source: https://convertonline.org/calculators/debt-to-income-ratio-calculator
Calculate how much of gross monthly income goes to housing and recurring debt payments. Compare both ratios with an editable planning target.
Calculations run in your browser. Your financial inputs are not uploaded or stored.
Debt-to-Income Ratio Calculator
Estimated debt-to-income ratios
Detailed results
Swipe or scroll horizontally to see every column.
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How the debt-to-income ratio calculator works
Front-end DTI = monthly housing payment ÷ gross monthly income × 100. Back-end DTI = housing payment plus other recurring monthly debt ÷ gross monthly income × 100.
Groceries, utilities, transportation, subscriptions, and most other living expenses are not included in the DTI formula, but they still matter to a household budget.
How to use this calculator
- Enter gross monthly income before taxes and deductions.
- Enter the housing payment and required monthly payments for each listed debt category.
- Review front-end DTI, back-end DTI, debt totals, and room under the editable comparison target.
Assumptions and limitations
- Income is gross monthly income before taxes and payroll deductions.
- Debt uses required recurring monthly payments, not account balances.
- The 36% default is an editable planning comparison; lenders and loan programs use different calculations and limits.
Sources and further reading
Worked example
Example: $10,000 income and $3,500 total monthly debt
A $2,500 housing payment divided by $10,000 gross income gives a 25% front-end DTI. Adding $1,000 of other debt creates $3,500 total monthly debt.
Back-end DTI is 35%. Against a 36% comparison target, the remaining monthly room is $100.
Frequently asked questions
What income should I use for DTI?
Use gross monthly income before taxes and deductions. Include other income only when it is appropriate and documentable for your planning purpose.
Which debts are included?
Use the housing payment and required monthly payments for credit cards, auto loans, student loans, installment debts, and applicable court-ordered obligations.
Does a DTI below 36% guarantee approval?
No. The target is a planning comparison. Lenders may use different ratios, income treatment, debt calculations, credit standards, reserves, and program rules.
This calculator provides an estimate for planning and education. Actual lender calculations, rates, costs, taxes, insurance, market changes, and individual circumstances may differ.