United States · Finance
Debt-to-Income Calculator
Calculate housing ratio and back-end debt-to-income ratio from gross monthly income and recurring debt payments.
Interactive calculator
Check your debt-to-income ratio
Add your recurring monthly debt obligations and compare them with gross income to estimate housing ratio and total back-end DTI.
Visual breakdown
Debt payment mix
This breakdown shows how much of your monthly debt load comes from housing compared with other recurring obligations.
Housing
$1,800
63.7% of total
Auto loans
$425
15% of total
Student loans
$350
12.4% of total
Credit cards
$150
5.3% of total
Other debt
$100
3.5% of total
Results
Housing ratio
25.7%
Housing payment divided by monthly gross income.
Back-end DTI
40.4%
All recurring monthly debt payments versus gross income.
Monthly debt total
$2,825
Income after debt
$4,175
Gross monthly income left after listed debt obligations.
How to use it
- 01Enter monthly gross income before taxes and withholding.
- 02Add the recurring monthly obligations that matter for DTI, including housing and debt payments.
- 03Review both the housing ratio and the total back-end DTI ratio.
Result guide
- Housing ratio isolates the monthly housing cost against gross income.
- Back-end DTI includes housing plus other recurring debt obligations.
- Income after debt is a simple cash-flow view, not an approval decision or lender guarantee.
About this calculator
Debt-to-income pages are often used before applying for a mortgage, refinance, or personal loan because borrowers want a quick picture of how their obligations compare with income.
The most practical version shows both housing-only ratio and total recurring debt ratio so users can understand what is driving underwriting pressure.
Frequently asked questions
Should I use gross income or take-home pay?
This calculator uses gross monthly income because DTI discussions and underwriting checks are typically framed that way.
Do variable expenses belong here?
No. DTI is usually focused on recurring debt obligations rather than everyday spending like groceries or entertainment.
Does this predict loan approval?
No. It is a planning tool. Actual approval also depends on credit, assets, reserves, documentation, and lender policy.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
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