Debt-to-Income (DTI) Ratio
Finance & LoansCalculate your front-end and back-end Debt-to-Income (DTI) ratios to evaluate mortgage pre-qualification eligibility and overall personal financial leverage health.
Back-end DTI · front-end 29.2%
About this calculator
Debt-to-Income ratio is one of the primary metrics mortgage lenders, credit unions, and financial institutions use to assess a borrower's capacity to manage monthly debt payments.
Front-end DTI evaluates housing costs (mortgage principal, interest, taxes, insurance) against gross income (benchmark: ≤ 28%). Back-end DTI includes all recurring obligations like auto loans, student debt, and credit cards (benchmark: ≤ 36% to 43%).
How It Works & Formula
Front-End DTI = (Monthly Housing Expense / Gross Monthly Income) × 100%. Back-End DTI = (Total Monthly Debt Payments / Gross Monthly Income) × 100%.
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