Debt-to-Income (DTI) Calculator

Enter gross income and debt paymentsUSD ($)

Income (before tax)

Salary & earned income

Pension & Social Security

Investment & savings

Other income

Housing expenses

Rent

Mortgage payment

Property tax

HOA fees

Homeowner insurance

Other monthly debts

Credit cards (minimum)

Student loan

Auto loan

Other loans & liabilities

4.9/5 - (543 votes)

Results

Back-end DTI33.00%Moderate

33%

Front-end DTI24.00%

Monthly income$5,000.00

Housing / month$1,200.00

Total debt / month$1,650.00

Housing

24%

All debt

33%

36% reference

36%

Gross income after listed payments$3,350.00

Debt capacity at 36% DTI$150.00/mo available

Debt capacity at 43% DTI$500.00/mo available

Back-end DTI = (housing + recurring debt payments) ÷ gross monthly income × 100. Front-end DTI uses housing expenses only. Benchmarks are illustrative, not loan-approval rules. Remaining gross income is not take-home pay.