Debt-to-Income Ratio (DTI) Calculator
Calculate your current front-end and back-end debt-to-income ratios.
Income
Use monthly income
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$
Monthly Housing Costs
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$
Other Monthly Debts
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$
Target DTI Ratios
28%
36%
How it works: The debt-to-income ratio compares your monthly debt obligations to gross monthly income. Front-end DTI uses housing costs only (PI + taxes + insurance + HOA + PMI), while back-end DTI includes all recurring debts. All calculations run locally in your browser for complete privacy.