About this tool
Debt-to-Income Ratio Calculator is a free, in-browser tool that computes the two DTI percentages lenders check: the front-end ratio (housing payment ÷ gross monthly income) and the back-end ratio (all monthly debt payments ÷ gross monthly income).
The result is graded against the classic 28/36 rule — adjustable to your lender's limits — with 43% treated as the common upper qualification bound. A fourth tile shows the extra monthly debt you could carry while staying inside your back-end limit.
Check your ratios before a mortgage or loan application: if the back-end figure is over the line, the room-left tile shows exactly how much monthly debt to clear. All inputs stay on your device — nothing is uploaded.
Frequently asked questions
What is the difference between front-end and back-end DTI?
Front-end counts only housing costs (rent or mortgage payment including escrow) against gross monthly income; back-end adds all other monthly obligations — car loans, student loans, card minimums, support payments.
What do the 28/36 limits mean?
The traditional rule of thumb: housing under 28% of gross income and total debt under 36%. Both thresholds are editable, and the grade turns to caution up to 43% — a widespread qualification ceiling — and high beyond it.
Should I use gross or net income?
Gross (pre-tax) monthly income — that is what lenders use when computing DTI. Using net income will make your ratios look worse than a lender would score them.
Is my income data private?
Yes. The ratios are calculated entirely in your browser; income and debt figures never leave your device.