Debt-to-Income Ratio Calculator

Estimate debt-to-income ratio with transparent assumptions.

Salary & Earned Income

$/month

Pension & Social Security

$/month

Investment & Savings

$/month

Other Income

$/month

Rental Cost

$/month

Mortgage

$/month

Property Tax

$/month

HOA Fees

$/month

Homeowner Insurance

$/month

Credit Cards

$/month

Student Loan

$/month

Auto Loan

$/month

Other Loans and Liabilities

$/month

DEBT-TO-INCOME RATIO25.71%

Gross monthly income: $7,000.00; housing obligations: $1,800.00; front-end DTI: 25.71%; total debts: $1,800.00; back-end DTI: 25.71%. Compare the back-end ratio with the common 36% planning benchmark.

Estimate based on the values shown

Formula checkedDivides categorized monthly housing and total debt obligations by total gross monthly income.

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Useful next steps

$House AffordabilityEstimate house affordability with transparent assumptions→$MortgageEstimate mortgage with transparent assumptions→$BudgetEstimate budget with transparent assumptions→