Credit & Debt
Debt-to-Income (DTI) Calculator
Find out your debt-to-income ratio by entering your monthly income and debt payments. Lenders use DTI to determine how much you can afford to borrow. Lower is better — most lenders prefer 36% or less.
Mortgage/rent, taxes, insurance
Personal loans, alimony, child support
Back-End DTI
36.25%
Front-End DTI
25.00%
Total Monthly Debts
$2,900.00
Monthly Income
$8,000.00
Room for Additional Debt
$0.00
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How This Calculator Works
DTI = (Total Monthly Debt Payments / Gross Monthly Income) × 100. Front-end DTI includes only housing costs. Back-end DTI includes all debt obligations. Lenders typically look at back-end DTI.
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Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the information you provide and standard financial formulas. Actual loan terms, rates, and payments may vary. This is not financial advice. Please consult with a qualified financial professional and verify all figures with your lender before making borrowing decisions.