Calculate housing and total debt-to-income ratios, normalize annual income, and explore target capacity and separate what-if scenarios.
01 / INCOME & REQUIRED DEBT
Use the same currency throughout. Gross income is before deductions; enter required payments, not loan balances.
02 / MONTHLY DEBT SHARE
DTI is only one lending consideration. Eligibility definitions, credit history, reserves, property costs and lender rules vary. No ratio guarantees approval or affordability.
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Enter gross income and required monthly obligations in one currency. Review live front/back-end ratios and optionally add entries, change the planning target or compare an alternative scenario.
Live results, clear validation, useful editable examples, source-driven visual explanations, optional advanced controls and private browser-local calculations.
Inputs and calculations remain in browser memory. No account, upload or external processing API is required. Results reach your clipboard only when you choose to copy them.
Front-end DTI is qualifying monthly housing divided by gross monthly income times 100. Back-end DTI uses all entered eligible monthly debt, including housing, over that same income. Example: 6,000 income, 1,500 housing and 600 other debt gives 25% front-end and 35% back-end.
Annual gross employment and other recurring income are divided by twelve. Optional extra income rows have independent monthly/annual frequencies. This is gross income before deductions, not take-home pay; irregular or unverified earnings may be treated differently by a lender.
Enter eligible housing, auto, student, personal and other required loan/debt payments. Housing can include rent or mortgage principal, interest, taxes, insurance and qualifying HOA as applicable. Count each obligation only once. Groceries, ordinary utilities, voluntary savings and income taxes are not automatically treated as loan debt.
Use the required monthly minimum payment, not the full outstanding balance. DTI compares periodic obligations with periodic income; substituting a total debt balance would mix incompatible quantities.
At your chosen illustrative target, the calculator takes gross monthly income times target percentage minus existing monthly eligible debt, with a floor of zero. Any amount already over the target is shown separately. What-if inputs are a separate monthly scenario and do not overwrite current obligations.
No. DTI is one consideration among credit, reserves, verification, lender rules and other costs. The remainder after debt is before taxes and living expenses, not necessarily spendable income. Ratios can exceed 100%; the gauge track is capped visually but the actual number is not hidden.