Debt-to-Income Calculator
Fill in the fields below to calculate
Monthly Gross Income
Monthly Debt Payments
Enter your values above to see the result.
Your Results
Front-End DTI
Back-End DTI
Risk Assessment
Total Monthly Debts
DTI Guidelines
Excellent
≤28%
Highly likely to qualify
Good
28-36%
Generally acceptable
Fair
36-43%
May need improvement
Poor
>43%
Difficult to qualify
1
Front-End DTI: Housing ÷ Gross Income = ÷ = %
2
Total Debts: + + + + =
3
Back-End DTI: Total Debts ÷ Gross Income = ÷ = %
4
28% Rule: Max Housing = × 0.28 =