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Debt-to-Income Ratio Calculator

See your debt-to-income ratio the way a lender does, with the front-end housing ratio and a rating band, updated as you type.

Your income before tax and deductions. Calculated in your browser. Nothing is uploaded.

Monthly debt payments

Include required payments only. Housing feeds the front-end ratio; leave a field blank if it does not apply.

Your debt-to-income ratio
39.2%Caution

Often approvable, but scrutinised more closely.

2,350
Total monthly debt
26.7%
Front-end ratio (housing)
3,650
Income left after debts
Comfortable
Under 36%
Caution
36% to 43%
High
Over 43%

Front-end covers housing only; many lenders prefer it under 28% of gross income. This is an estimate and not a lending decision.

How to calculate your debt-to-income ratio

  1. Enter your income

    Type your gross monthly income, the amount you earn each month before tax and other deductions.

  2. Add your debt payments

    Enter your monthly housing, car, credit card, loan, and other required debt payments in the fields provided.

  3. Read your ratio

    Your debt-to-income ratio, front-end housing ratio, and rating band update instantly and land in one of three bands.

Why use this tool

Back-end and front-end ratios

You get both the total debt-to-income ratio lenders lead with and the front-end ratio that isolates housing costs on their own.

Clear rating bands

Every result lands in a labelled band: under 36% is comfortable, 36% to 43% is caution, and above 43% is high.

Itemised debt entry

Housing, car, credit cards, loans, and other payments each get their own field, so the total is easy to check and adjust.

Handles missing income

A blank or zero income keeps the result in a quiet placeholder instead of dividing by zero or showing a broken percentage.

No currency assumptions

Figures are plain numbers without a symbol, so the same math works for dollars, euros, pounds, or any currency.

Runs entirely in your browser

Income and debt figures are sensitive. Everything is calculated on your device and nothing is uploaded, stored, or logged.

About this tool

Your debt-to-income ratio, or DTI, is the share of your gross monthly income that goes to required debt payments. It is the first number a lender looks at when weighing a mortgage or loan application, because it shows how much room your budget has for another payment. This calculator adds up your monthly housing, car, credit card, loan, and other debt payments, divides the total by your gross monthly income, and multiplies by 100 to give a percentage. Gross income means your pay before tax and deductions, not your take-home amount.

Two ratios matter. The back-end ratio, the headline DTI here, counts every debt payment. The front-end ratio counts housing alone, which is where the common 28/36 guideline comes from: many lenders prefer housing under 28% of gross income and total debt under 36%. This tool flags three bands: under 36% is comfortable, 36% to 43% is a caution zone, and above 43% is high, since 43% is a widely used ceiling for a qualified mortgage. If you are sizing a specific payment, pair this with the mortgage calculator or the loan calculator.

Income and debt figures are personal, so this page keeps them on your device. Every calculation runs in your browser as you type, and nothing is sent to a server, stored, or logged. The ratio covers required monthly debts only; it does not include utilities, groceries, or other living costs, and lenders vary in exactly which debts they count. Treat the result as a solid estimate of how your application will read, not a guarantee of approval.

Frequently asked questions

How is debt-to-income ratio calculated?
Add up all your required monthly debt payments, divide the total by your gross monthly income, and multiply by 100. For example, 2,000 of debt payments on 6,000 of gross income is a 33% ratio.
What is a good debt-to-income ratio?
Under 36% is generally seen as comfortable. From 36% to 43% is a caution range where some lenders still approve but scrutinise more closely. Above 43% is considered high and can make a mortgage harder to get.
What is the difference between front-end and back-end DTI?
The front-end ratio counts only your housing payment against income, while the back-end ratio counts every debt including housing. This calculator shows both, with the back-end ratio as the headline number.
Should I use gross or net income?
Use gross income, your pay before tax and deductions. Lenders calculate debt-to-income against gross income, so using take-home pay would overstate your ratio.
Which debts should I include?
Include required monthly payments: rent or mortgage, car loans, minimum credit card payments, student and personal loans, and similar obligations. Leave out utilities, groceries, and other everyday spending that lenders do not count.
Is my financial data uploaded anywhere?
No. Everything runs in your browser and nothing is sent to a server. Your income and debt figures never leave your device.

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