# Debt-to-Income Ratio Calculator

> Debt-to-income ratio calculator: compute front end and back end DTI from monthly debt payments and gross income to see what lenders allow. Free, no signup.

- **Canonical URL:** https://boringtoolskit.com/debt-to-income-ratio-calculator/
- **Category:** Finance & Investing
- **Evidence level:** authored-methodology
- **Reviewed:** July 2026
- **Last verified:** 2026-09-20
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

DTI = total monthly debt payments / gross monthly income x 100; lenders generally want 36% or less, with housing alone under 28%.

## Worked example

$8,000 gross monthly income with $1,800 housing, $400 car, $100 student loans, $50 credit cards and $50 other debt: $2,400 of debts is a 30% DTI, under the 36% target.

## Assumptions

- 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.

## Common questions

### How do you calculate front-end DTI?

Divide your monthly housing payment by gross monthly income, then multiply by 100. Front-end DTI includes housing only.

### How do you calculate back-end DTI?

Add housing, car payments, student loans, credit cards, and other monthly debt. Divide the total by gross monthly income and multiply by 100.

### What income does this DTI calculator use?

This calculator uses gross monthly income, meaning income before taxes and other payroll deductions.

## Related tools

- /mortgage-afford/
- /rent-affordability-calculator/
- /debt-payoff/

## Sources

- [What is a debt-to-income ratio?](https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/)

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