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
Monthly income
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
Important considerations
- Lenders use gross income, before tax and deductions.
- Utilities, groceries and insurance are usually excluded from DTI but still affect affordability.
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Learn more
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