Debt-To-Income (DTI) Ratio Calculator

Use our Debt-To-Income or DTI Ratio Calculator to see what your front-end and back-end DTI ratios are. It is so simple to use:

  • Input your monthly income
  • Enter your monthly debt payments
  • Click the "Calculate DTI Ratio" button to see the results.

Debt to income ratio - what is it?

Your debt-to-income ratio is a great way to look at how financially healthy you are, basically. It assesses your debt repayments as a proportion of your total monthly income. A high DTI show you spend more of your monthly income in paying back your debts. Not having enough cash at the end of the month can mean more debt to live your daily life. Getting your debt paid off and having a lower DTI ratio is the right direction to head in. If you have a low debt-to-income ratio then you are seen as financially fit. If you need new capital for a car or vacation, for example, then you can take on the extra repayments with ease.

Lenders look at the DTI ratio to make lending decisions. A low DTI means you are more likely to be approved.

When looking at personal finance, we look at the amount of debt that recurs every month against the total income. This can be expressed in two ways:

The Front-End Ratio

This is calculated by taking the total monthly housing costs by income before tax. This means you don't only include debt repayments for housing, but also look at associated costs such as insurances, property taxes and others.

The Back-End Ratio

The back-end DTI ratio looks at all debt repayments, not just those linked to housing. This may be credit cards, student loans, car loans or a personal loan, etc.

DTI Calculator

Monthly Income

Monthly Debt Payments


This calculator uses the following formulas to calculate debt-to-income ratios:

Front-End Ratio = Monthly Housing Debt / Gross Monthly Income

Back-End Ratio = All Monthly Debt / Gross Monthly Income

Check out our Online Debt Snowball Calculator which helps you understand how to accelerate your debt payoff

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