Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios and see how lenders may view your application.
Your numbers
- Front-end DTI
- 25.33%
- Rating
- Manageable
- Total monthly debt
- $2,750
- Housing$1,900
- Auto$400
- Student$300
- Cards$150
- You
- Preferred
- Typical max
How the debt-to-income ratio calculator works
Back-end DTI = total monthly debt payments ÷ gross monthly income. Front-end DTI uses only housing costs. Most conventional lenders prefer back-end DTI of 36% or less and cap at about 45%–50%.
Example
Using the default inputs (Gross monthly income: $7,500; Rent or mortgage: $1,900; Auto loans: $400; Student loans: $300; Credit card minimums: $150; …), the calculator returns back-end dti of 36.67%. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What is a good DTI?
Below 36% is considered healthy; 36%–43% is manageable; above 43% can make qualifying difficult.
Is rent included?
Yes. Housing cost, whether rent or mortgage, is included in total debts when applying for new credit.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.