Your Monthly Income
$
Your Monthly Housing Costs
$
$
$
$
Your Other Monthly Debt Payments
$
$
$
$
$
$
--
Front-End DTI
(Housing Only)
(Housing Only)
--
Back-End DTI
(All Debt)
(All Debt)
0%
36%
43%
50%
100%
How This Calculator Works
Front-end DTI uses only your housing costs (mortgage/rent + property taxes + insurance + HOA) divided by gross income. Mortgage lenders look at this number first.
Back-end DTI adds all your other debt payments to the housing costs. This is the more important number for overall financial health and is what most people mean when they say "DTI ratio."
All calculations happen in your browser. No data is sent anywhere, no data is stored. You can verify this by viewing the page source.
Next Steps
- Check mortgage DTI requirements -- see if your ratio qualifies for FHA, conventional, or VA
- Learn how to lower your DTI -- practical strategies
- Is your DTI a bankruptcy signal? -- when high DTI means you should consider filing
- meanstest.org -- take the Chapter 7 means test