The calculation, without hidden assumptions
Debt-to-income ratio is simple division, but the useful part is being explicit about which monthly obligations are in the numerator. This calculator separates housing from other recurring debt, shows front-end and back-end DTI, and lets you add a proposed new monthly payment as a scenario. It deliberately avoids turning a ratio into an approval verdict because lender definitions and underwriting rules vary.
How to use this calculator
Enter gross monthly income before tax and deductions.
Itemize housing and recurring debt payments using the amounts relevant to the calculation you are checking.
Optionally add a proposed monthly payment and compare current versus scenario back-end DTI.
Where people use it
- •Checking current recurring debt burden
- •Preparing numbers before discussing a loan with a lender
- •Comparing how a proposed monthly payment changes the ratio
Example: 1,500 monthly debt on 5,000 gross income
Total modeled monthly debt of 1,500 divided by 5,000 gross monthly income equals a 30% back-end DTI. If 900 of the debt is housing, the front-end DTI is 18%.
What the result does not assume
- •Which income sources and obligations count can vary by lender, product, jurisdiction and documentation rules; match the inputs to the definition you actually need.
- •DTI is one ratio, not a prediction of approval, affordability, credit risk or a recommended borrowing amount.
Frequently asked questions
What is the difference between front-end and back-end DTI?+
Front-end DTI uses modeled housing obligations only; back-end DTI uses housing plus the other recurring debts entered.
Should groceries and utilities be included?+
Traditional lender DTI definitions usually focus on recurring debt obligations, but definitions vary. Use the categories required by the lender or analysis you are reproducing.
Does a particular DTI guarantee loan approval?+
No. Underwriting can consider credit history, assets, documentation, product rules and other factors in addition to DTI.
Semantic next steps
Continue the calculation
These links move to a different input, formula or project stage rather than a keyword variation of this page.
Loan Payoff Calculator — Extra Payments, Lump Sum & Amortization
Compare a scheduled loan with recurring extra principal and a timed lump-sum payment. See the full amortization schedule, payoff time, interest saved and time saved without creating separate thin mortgage or auto-loan copies.
OpenInvestment Fee Calculator — Fee Drag vs No-Fee Growth
Compare a contribution-based investment projection with and without sales load, annual asset fees and an ending redemption fee, with the fee assumptions and return model kept editable.
OpenNPV Calculator — Net Present Value of Irregular Cash Flows
Calculate net present value for a time-zero cash flow and an irregular series of later cash flows, with a per-period present-value table that exposes every discounted term.
OpenIRR Calculator — Internal Rate of Return from Cash Flows
Estimate internal rate of return from a time-zero amount and irregular per-period cash flows, show NPV at an optional hurdle rate, and warn when the cash-flow pattern can produce multiple IRRs.
OpenCommission Calculator — Simple, Tiered & Base Pay
Calculate a simple percentage commission or a progressive three-tier commission from revenue or gross profit, then include optional base pay and see the effective commission rate.
OpenCredit Card Payoff Calculator — Payment, Months & Interest
Model a credit-card payoff from balance and APR, solve either the payoff time from a fixed payment or the payment required for a target month, and include recurring spending and annual fees.
OpenFree publisher widget
Put this calculator on your website
Give readers the live calculator without rebuilding the math. Copy the responsive embed in one click, or customize width, height, border and corner radius before publishing. The branded MAXScanner attribution stays visible.
Embed HTML
Paste this code into your page. Tap the code box to select it manually.
Keep the result connected to the real job
MAXScanner keeps the formula and assumptions beside the result so you can verify the number before using it in a drawing, estimate, specification, worksheet or document. Where a supplier, manufacturer, drawing or applicable standard owns a requirement, that source remains authoritative.