Decision tool
Debt-to-Income Calculator
Front-end and back-end debt-to-income ratios from gross monthly income and debt payments.
Your inputs
Adjust the fields and review the result in this workbench.
Cite this calculator
Uses gross monthly income and debt payments you enter. Lender guidelines vary.
Last reviewed: August 2026
Debt-to-Income Calculator. (August 2026). Useful Tools Online. https://usefultoolsonline.com/debt-to-income-calculator/
Interpretation
How DTI works
Front-end DTI is housing-only; back-end DTI includes all recurring debts. Many lenders use 28/36 or 43% back-end caps as rough guides.
Example
Worked example
A realistic example to show how this tool can support an actual decision.
Income $7,500, housing $1,800, other debts $450 → back-end DTI about 30% (comfortable under common 36% targets).
Avoid mistakes
Common mistakes
A few things that can lead to misleading results or poor decisions.
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