Online Tool Store
Debt to Income Calculator
Calculate your debt-to-income ratio from monthly income and debt payments, with front-end/back-end breakdowns and a lender-approval band.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
Debt-to-income ratio
$2,390 in monthly debt payments against $6,500 income
- Total monthly debt
- $2,390
- Remaining monthly income
- $4,110
- Front-end ratio (housing only)
- 25.4%
- Max debt at 43% DTI
- $2,795
A 37.7% DTI sits in most lenders' "fair" range — approvable, but with less headroom than 36% and under.
How to calculate your debt-to-income ratio
- Enter your gross (pre-tax) monthly income.
- Enter your recurring monthly debt payments — housing, auto, student loans, credit card minimums, and any other debt.
- Review your DTI ratio, the lender-approval band it falls into, and the front-end (housing-only) ratio alongside it.
The DTI formula
DTI ratio = total monthly debt payments ÷ gross monthly income × 100. The "max debt at 43% DTI" figure shows how much monthly debt your current income could support while staying inside the range most conventional lenders will still approve — useful for seeing how much room you have before taking on a new loan or mortgage.
FAQ
What is a debt-to-income (DTI) ratio?
It is your total monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to judge how much of your income is already committed to debt before approving new credit.
What's a good DTI ratio?
36% or below is generally considered comfortable. Many conventional mortgage lenders will still approve up to 43%, and some loan programs allow higher — but the lower your DTI, the easier approval and better your terms tend to be.
What is the difference between front-end and back-end DTI?
Front-end DTI only counts housing costs (rent or mortgage) against income. Back-end DTI — the more commonly quoted figure — counts all monthly debt payments, including housing, car loans, student loans, and credit cards.
Does this include taxes or living expenses?
No. DTI is a debt-payment ratio, not a full budget — it excludes taxes, groceries, utilities, and other non-debt spending. Use gross (pre-tax) income and only recurring debt payments for an accurate ratio.
Is this financial advice?
No. This is a browser-only estimate for planning purposes using simplified lender thresholds. Actual underwriting criteria vary by lender and loan type — confirm specifics with your lender.
How we compare
| Feature | Online Tool Store | Bankrate DTI Calculator | NerdWallet DTI Calculator |
|---|---|---|---|
| Back-end DTI ratio | Included | Included | Included |
| Front-end (housing-only) ratio | Included | Not shown | Included |
| Max debt at 43% DTI headroom | Included | Not shown | Not shown |
| No sign-up, runs in your browser | Included | Ad-supported page | Ad-supported page |
Bankrate and NerdWallet are solid general references with more educational context. Choose Online Tool Store for a fast, private DTI check that also shows your front-end ratio and how much debt headroom you have before hitting the 43% threshold.