Free debt-to-income (DTI) calculator: compute your front-end and back-end ratios from income, housing, car, credit card, and loan payments, with lender guideline context.
Lending notice: This debt-to-income ratio calculator uses gross monthly income and recurring debt payments—it does not include utilities, groceries, insurance, or lender-specific overlays. Mortgage underwriters apply their own guidelines and may count debts differently.
Summary: Enter gross monthly income, housing payment, auto loans, credit card minimums, and other loan payments. You get front-end and back-end DTI percentages, a rating, and a guideline comparison table.
Debt-to-Income Ratio Calculator
Use this debt-to-income ratio calculator to measure how much of your gross income goes to housing and total debt—key metrics lenders review for mortgages, auto loans, and refinances.
