Loan Calculators
Debt-to-Income Ratio Calculator
Calculate the front-end and back-end debt-to-income ratios lenders use, and see how much headroom you have before common limits.
Back-end DTI
33.3%
- Front-end DTI
- 25.3%
- Monthly headroom to 36%
- $200.00
- Assessment
- Within typical limits
- Housing
- Other debt
- Remaining
How this calculator works
Back-end DTI = (housing + other debt) ÷ gross income × 100
- front-end
- housing costs alone as a share of income
- back-end
- all debt payments as a share of income
Example calculation
Illustrative example — not advice
Worked example — the debt-to-income ratio calculator as it loads, using the default figures below.
- 01Enter gross monthly income: $7,500.
- 02Enter housing payment: $1,900.
- 03Enter other monthly debt payments: $600.
- 04Read the back-end dti from the results panel: 33.3%.
Back-end DTI: 33.3%. Front-end DTI: 25.3%. Monthly headroom to 36%: $200.00. Assessment: Within typical limits.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Lenders use gross income, before tax and deductions.
- Utilities, groceries and insurance are usually excluded from DTI but still affect affordability.
Related calculators
- Mortgage Affordability CalculatorHow much house your income and debts realistically support.
- Budget CalculatorNeeds, wants and savings from your take-home pay.
- Debt Payoff CalculatorPayoff date and interest saved from paying extra.
- Personal Loan CalculatorRepayments and total interest on an unsecured personal loan.
- Loan Payment CalculatorMonthly repayment, total interest and the effect of paying extra each month.
- Student Loan CalculatorStudent loan repayments, interest and payoff timing.
Terms used here
Frequently asked questions
What DTI do lenders want?
Under 36% is comfortable for most conventional lending; some programmes stretch to 43–50%.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01