GlenCalc

Debt-to-income ratio calculator

Lenders divide your monthly debt payments by your gross monthly income. Enter yours to see the front-end (housing only) and back-end (all debts) ratios.

Including property tax, insurance and HOA if you own.

Personal loans, child support, alimony.

Your answer

Debt-to-income ratio38 %Above 36%; many mortgages allow up to 43%
Front-end (housing only)26.7 %
Total monthly debts$2,850.00

Worked out in your browser. Nothing you type is sent to a server.

How we worked it out

Updated as you change the numbers.

  1. Total debts = $2,850.00 a month.
  2. DTI = $2,850.00 ÷ $7,500.00 = 38%.

Method and assumptions

Debt-to-income is total monthly debt payments divided by gross (pre-tax) monthly income. Lenders count minimum required payments, not your actual balances, and leave out everyday costs such as utilities and groceries. Many mortgage programs look for a back-end ratio of 36% or less, with exceptions up to about 43–50%.

Questions

What is a good debt-to-income ratio?

Under 36% is generally considered good, with no more than about 28% going to housing.

Sources

Method and figures checked on . Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

Embed this calculator on your site

Free to use. Paste this where you want the calculator; it runs in your visitors’ browsers, sets no cookies and sends nothing to us.

Related calculators