Debt-to-Income (DTI) Ratio Calculator
Calculate a debt-to-income ratio from monthly debt payments and income. Check the inputs and review the result as a general estimate.
| Salary & Other Earned Income: | |
| Retirement Income (e.g., Pension & Social Security): | |
| Investment & Savings: | |
| Other Income: |
| Rent: | |
| Mortgage Payment: | |
| Property Tax: | |
| HOA Dues: | |
| Homeowner’s Insurance: | |
| Credit Card Fees and Interest: | |
| Student Loan Payment: | |
| Auto Loan Payment: | |
| Other Loans and Liabilities: |
| Back-end DTI Ratio | 0.00% |
|---|---|
| Front-end DTI Ratio | 0.00% |
| Total Annual Income | $0.00 |
| Total Annual Debt Payment | $0.00 |
Enter income and debt consistently
Use the annual amounts requested in the form. Include the income categories and payment obligations you want modeled, then select Calculate. Check that monthly figures have not been entered into annual fields.
Understand the comparison
A debt-to-income calculation compares included debt payments with included income. Different lending programs can define the included amounts differently. The front-end and back-end figures shown here describe the page’s selected categories, not a universal approval standard.
A simple ratio example
If included annual debt payments total $12,000 and included annual pretax income totals $60,000, the ratio is $12,000 divided by $60,000, or 20%. This example explains the arithmetic. It does not establish how a lender would classify every expense.
Check the result against your purpose
Review each category and the totals before using the estimate. A lender may use different income verification, debt treatment, and qualification rules. The result does not determine loan eligibility or account for every cost in a household budget. Keep a separate spending picture for expenses outside the modeled debt categories.