Planning estimate only, not financial, tax, or legal advice. Verify assumptions and current rules before making decisions.
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How this calculator works
Formula
Front-end DTI = monthly housing payment ÷ gross monthly income × 100. Back-end DTI = housing plus required monthly debt payments ÷ gross monthly income × 100. Remaining threshold capacity = income × selected threshold − total debt.
Worked example
With $8,000 gross monthly income, $1,800 housing, and $600 other required debt, front-end DTI is 22.5%, back-end DTI is 30%, and a selected 36% threshold leaves $480 of monthly capacity.
Assumptions to verify
- Income is gross monthly income before tax and deductions.
- Debt fields are required recurring monthly payments, not outstanding balances.
- The selected threshold is a planning comparison and not a lender approval rule.
Frequently asked questions
What counts as monthly debt?
Use required recurring payments such as housing, auto, student-loan, credit-card minimums, alimony, or other obligations relevant to the decision.
Is a lower DTI always approved?
No. Lenders also consider credit, assets, income stability, property, program rules, and other factors.
Why use gross income?
Common DTI conventions compare required debt payments with gross income before taxes, though underwriting definitions can vary.
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