DTI
Debt-to-Income Ratio Calculator
The share of your gross monthly income that goes to debt payments, as lenders measure it.
Result…
How it's calculated
DTI = total monthly debt payments ÷ gross monthly income × 100 Front-end ratio = housing payment ÷ gross monthly income × 100
Lenders use DTI to judge whether you can take on a new payment. The back-end ratio counts every debt; the front-end ratio counts housing alone (28% is a common guide). Everyday costs like food and utilities are not debts here.
Your numbers, step by step
More in Finance & Investment
MTGMortgageYour monthly home payment: principal and interest, plus property tax and insurance, and what the loan costs in interest.Top 100 · #3Open →LNLoanThe fixed monthly payment on a loan, and how much of what you repay is interest.Top 100 · #4Open →CⁿCompound interestWhat a sum grows to when interest earns interest, with optional monthly additions.Top 100 · #5Open →INVInvestmentWhat regular investing grows to at a steady yearly return, and how much of it is growth.Top 100 · #22Open →RETRetirementWhat your savings could reach by retirement, and the monthly income they could pay until the age you plan for.Top 100 · #23Open →SAVSavingsHow a savings account grows with regular deposits at your bank's rate and compounding.Top 100 · #24Open →