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Debt-to-Income Ratio Calculator — Front-End, Back-End & Scenario DTI

Editable live calculator

Change any input — the result updates immediately

No hidden assumptions. Inputs, units and the working stay visible so you can check the calculation.

Gross monthly income Housing payment / rent Property tax, HOA or housing add-ons Credit-card minimum payments Auto loan payments Student loan payments Personal / other loan payments Other recurring debt obligations Proposed new monthly payment Optional what-if amount.

Calculated result

30% back-end DTI

Front-end housing DTI: 18%

Current modeled debt payments: 1,500 / month

Scenario DTI with proposed payment: 30%

Gross income after modeled debt payments: 3,500 / month

Show the working

1. Housing obligations = 900 + 0 = 900.
2. Front-end DTI = 900 ÷ 5,000 × 100 = 18%.
3. Back-end DTI = 1,500 ÷ 5,000 × 100 = 30%.
4. Scenario adds 0 per month → 30%.

Lenders can define qualifying income and monthly obligations differently. This page calculates ratios only and does not apply an approval threshold.

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