Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio and front-end ratio from income, debts and housing costs. Check lender qualification ranges.
Rent or mortgage, including property tax and insurance.
Debt-to-income (DTI)
35.0%
Total of $2,100 / month
Front-end ratio
25.0%
Housing of $1,500 / month
Monthly gross income
$6,000
Remaining after debts
$3,900
Cash flow before other expenses
Lenders commonly look for a DTI at or below 43% (36% for many mortgages), with the housing portion ideally under 28% of gross income.
How it works
Front-end = housing ÷ income. Back-end = all debts ÷ income. Expressed as a percentage.
Example: $72,000 income, $1,500 housing, $600 debts → front-end 25%, back-end 35%.
Debt-to-Income Ratio Calculator on True Calculator gives you an instant, accurate answer with no sign-up and no app install. Calculate your debt-to-income ratio and front-end ratio from income, debts and housing costs. Check lender qualification ranges. Every result shows the formula and a worked example so you can verify the calculation yourself, and all values are computed in your own browser — your numbers never leave your device.
Popular uses: debt to income ratio calculator · dti calculator · debt ratio calculator
Last updated: August 2026
How We Calculate
This calculator uses standard mathematical formulas verified by our team. All calculations are performed instantly in your browser using JavaScript — no data is sent to any server. The formulas used are industry-standard and match those used by banks, financial institutions and health organizations.
For financial calculators, we use RBI-approved formulas and regularly updated bank rates. For health calculators, we use WHO-recommended formulas and medical standards. All rates and standards are sourced from official government and regulatory websites.
Frequently Asked Questions
What is a good debt-to-income ratio?
Lenders prefer a front-end ratio (housing only) at or below 28% and a back-end ratio (all debts) at or below 36%. Above 43% you'll struggle to qualify for most mortgages.
How is the debt-to-income ratio calculated?
Divide your total monthly debt payments by your gross monthly income and multiply by 100. Housing costs include mortgage or rent, property tax and insurance.
What counts as monthly debt in the DTI ratio?
Housing payments, auto loans, student loans, credit card minimums and other personal loans all count. Utilities, groceries and phone bills do not.
Is this debt ratio calculator free to use?
Yes, True Calculator's debt-to-income ratio calculator is completely free with no sign-up, no app install and no usage limits.
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