Debt & Credit
Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio to see how lenders view your financial health and whether you're likely to qualify for a mortgage or other loan.
Before taxes. Include all income sources.
Monthly Debt Payments
🔒 All calculations happen instantly in your browser. No data is sent to any server.
How the Debt-to-Income Calculator Works
Back-End DTI = Total Monthly Debt Payments ÷ Gross Monthly Income × 100
Front-End DTI = Monthly Housing Cost ÷ Gross Monthly Income × 100
Example: Income $6,000/mo · Mortgage $1,500 · Car $400 · Credit cards $200 = Total debt $2,100
Back-end DTI = $2,100 ÷ $6,000 = 35% · Front-end = $1,500 ÷ $6,000 = 25%
Debt-to-Income Calculator Insights & Strategic Planning
Good estimates help you plan your money with confidence. Use the numbers from the Debt-to-Income Calculator to set realistic goals, cut extra costs, and make smart financial decisions.
Planning Ahead
Small changes add up fast over time. Checking your numbers often helps you stay on track and build strong savings habits.
Smart Budgeting
Always pair your calculations with real daily spending needs. Keeping an emergency fund gives you peace of mind and flexibility.
Debt-to-Income Calculator Frequently Asked Questions
What is a good DTI ratio?
Below 36% is generally considered good. Below 20% is excellent. Most conventional mortgage lenders cap back-end DTI at 43–45%. FHA loans allow up to 50% in some cases. Lower DTI = better loan terms and more lender options.
What is the difference between front-end and back-end DTI?
Front-end DTI (housing ratio) includes only housing costs: mortgage/rent, property tax, insurance, HOA. Back-end DTI includes all monthly debt: housing + car loans + student loans + credit card minimums + any other obligations.
What counts as debt for DTI purposes?
Monthly minimum payments on: mortgage/rent, auto loans, student loans, credit card balances, personal loans, child support/alimony, and any other regular debt obligation. Utilities, groceries, insurance premiums, and subscriptions are NOT included.
How do I lower my DTI to qualify for a mortgage?
Pay down debt to reduce monthly obligations (especially credit cards), increase income, avoid taking on new debt before applying, or save a larger down payment to borrow less. Even closing paid-off cards can temporarily help by removing the minimum payment obligation.
Does rental income count toward income for DTI?
Usually yes, most lenders count 75% of gross rental income to account for vacancies. Self-employment income typically uses a 2-year average from tax returns. Verify with your lender which income sources they accept.
Are the numbers I enter into this calculator saved or tracked?
No. Every calculation runs right inside your browser using local code. Your salary, debts, and loan numbers stay completely private. Nothing is ever saved or sent to any server.
How should I account for taxes, inflation, and unexpected fees?
Most formulas show baseline estimates. In real life, keep local taxes, inflation, and bank fees in mind so your budget matches your actual costs.
Financial Calculation Disclaimer
The results from the Debt-to-Income Calculator are for general informational and educational use only. They are based on standard mathematical formulas and the numbers you enter.
BeYourTools is not a bank, lender, or financial advisor. This tool does not provide official tax or legal advice. Real rates and fees depend on your lender and local rules. For major financial decisions, please speak with a qualified professional. Read our complete Financial & Legal Disclaimer.