DTI Calculator
Work out your debt-to-income ratio from your gross income and monthly payments, and see how much room you have left.
Formula and sources updated · Data sources · 1View algorithm, constants and default inputs (JSON)
About this calculator
DTI compares monthly housing cost and other monthly debt payments with gross monthly income. The 28%, 36% and 43% figures are arithmetic examples for comparison, not universal lender rules or approval limits. The difference from 43% is not a borrowing allowance; lender criteria and included obligations vary.
Choose the calculation that matches your task
Enter housing cost and other debts separately here to compare housing and total-debt ratios against gross monthly income. The simpler ratio tool accepts one combined debt total. Percentage scenarios on either page are arithmetic illustrations, not lender approval criteria.
Worked example
calculated with the default values below
Gross monthly income 6,000 $ · Monthly housing payment 1,500 $ · Other monthly debt payments 500 $ Debt-to-income ratio 33.3 % · Housing ratio (front-end) 25.0 % · Housing amount at 28% benchmark 1,680 $ · Total debt at 36% benchmark 2,160 $ · Difference from 43% example 580 $ 20–<36%
Method and assumptions
DTI = (H + D) ÷ I × 100 Front-end ratio = H ÷ I × 100. The 28%, 36% and 43% values are comparison examples, not universal limits. Difference = 0.43 × I − (H + D); positive is below the example and negative is above. Income 0 is treated as 1. DTI compares monthly housing cost and other monthly debt payments with gross monthly income. The 28%, 36% and 43% figures are arithmetic examples for comparison, not universal lender rules or approval limits. The difference from 43% is not a borrowing allowance; lender criteria and included obligations vary. The references explain definitions and methods; any extra preset must be checked against the assumptions on this page.
Data sources
The references explain definitions and methods; any extra preset must be checked against the assumptions on this page.
Disclaimer
These calculators give estimates for general information only. They are not financial, tax or investment advice and do not take your personal circumstances into account. Before borrowing, investing or filing, confirm the numbers with a qualified adviser in your jurisdiction.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
DTI = (H + D) ÷ I × 100
- H
- Monthly housing payment
- D
- Other monthly debt payments
- I
- Gross monthly income
- DTI
- Debt-to-income ratio (%)
Front-end ratio = H ÷ I × 100. The 28%, 36% and 43% values are comparison examples, not universal limits. Difference = 0.43 × I − (H + D); positive is below the example and negative is above. Income 0 is treated as 1.
Frequently asked questions
What inputs count toward the displayed DTI?
This calculator adds the monthly housing amount and other monthly debt payments, then divides by gross monthly income. Include relevant housing obligations in the amount you enter; lenders may define and verify obligations differently, and this tool does not determine an official DTI.
How should I read the 28%, 36% and 43% figures?
These are fixed arithmetic examples: 28% of gross income for housing, 36% for total monthly debt, and 43% for comparison. The displayed difference is 43% of income minus entered debts: positive means below that example and negative means above. None is a universal approval limit or affordability recommendation; lender criteria differ.
Which inputs and limits apply to DTI Calculator?
Use the units shown beside each field. These are form limits, not recommended settings. Gross monthly income: 1–1,000,000 $; Monthly housing payment: 0–1,000,000 $; Other monthly debt payments: 0–1,000,000 $ DTI = (H + D) ÷ I × 100 Front-end ratio = H ÷ I × 100. The 28%, 36% and 43% values are comparison examples, not universal limits. Difference = 0.43 × I − (H + D); positive is below the example and negative is above. Income 0 is treated as 1. DTI compares monthly housing cost and other monthly debt payments with gross monthly income. The 28%, 36% and 43% figures are arithmetic examples for comparison, not universal lender rules or approval limits. The difference from 43% is not a borrowing allowance; lender criteria and included obligations vary. The references explain definitions and methods; any extra preset must be checked against the assumptions on this page.
What is a complete worked example for Gross monthly income = 6,000 $; Monthly housing payment = 1,500 $?
Inputs: Gross monthly income = 6,000 $; Monthly housing payment = 1,500 $; Other monthly debt payments = 500 $. Calculation: DTI = (H + D) ÷ I × 100. Results: Debt-to-income ratio = 33.3 %; Housing ratio (front-end) = 25.0 %; Housing amount at 28% benchmark = 1,680 $; Total debt at 36% benchmark = 2,160 $; Difference from 43% example = 580 $.