◈ FINANCE Updated July 25, 2026

Debt to Income Ratio Calculator

Check where you stand before a lender does it for you.

Gross monthly income
Rent or mortgage
Other monthly debt payments
Result
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How it works

Front-end DTI is housing cost divided by gross monthly income; back-end DTI adds every other recurring debt payment. Lenders typically look for 36% or less, with 43% a common hard ceiling.

Related tools

◨Compound Interest Calculator◈Loan Calculator◫Profit Margin Calculator

Frequently asked questions

Which income should I use?

Gross, before tax — that is the figure lenders underwrite against.

Do utilities count?

No. Only debt obligations such as loans, cards and child support, not everyday living costs.

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