Debt-to-Income (DTI) Calculator
Use this debt to income (DTI) calculator to compare monthly debt obligations to gross income. It's commonly used in mortgage underwriting. Educational use only. Not financial advice.
Inputs
Use gross income (before taxes).
Use PITI + HOA + PMI for mortgages.
Use required minimums, not planned payments.
Housing-only target
Total debt target
Results
Back-end DTI
40.77%
Higher
Front-end DTI
33.85%
Housing only
Total monthly debt
$2,650.00
Housing + other debt
Gross monthly income
$6,500.00
Before taxes
Max housing (targets)
$1,820.00
Uses min(front-end 28%, back-end 36%)
Housing headroom
-$380.00
Max housing minus current housing
Max housing (front-end)
$1,820.00
Target 28%
Max housing (back-end)
$1,890.00
Target 36%
Income needed (front-end)
$7,857.14
To support current housing
Income needed (back-end)
$7,361.11
To support total debt
Lenders may calculate DTI differently and use additional rules (credit score, reserves, employment history, property type). This calculator is educational.
Example
Suppose your gross income is $8,000/month. If your total housing payment is $2,400 and other monthly debts are $600, your front-end DTI is 30% and your back-end DTI is 37.5%.
Example output (estimate)
| Metric | Value |
|---|---|
| Gross monthly income | $8,000 |
| Housing payment | $2,400 |
| Other debt | $600 |
| Front-end DTI | 30.0% |
| Back-end DTI | 37.5% |
Example (mortgage-style housing payment)
Many lenders use a housing payment closer to PITI (+ HOA/PMI). For example, if your mortgage principal & interest is $2,150, taxes/insurance are $550, HOA is $150, and you pay $200 in other monthly debts, then housing is $2,850. With $7,000/month gross income, front-end DTI is about 40.7% and back-end DTI is about 43.6%.
DTI calculator inputs to verify
- Use gross income (before taxes) unless your lender specifies otherwise.
- Include all required monthly debts, not just credit cards.
- Housing payment should reflect PITI, HOA, and PMI if applicable.
- Use the minimum payment shown on statements for revolving debt.
Match your application packet
- Use the same monthly income figure shown on your application or pre-approval.
- Match the housing payment to the lender's PITI + HOA + PMI estimate.
- Use statement minimums for revolving debt, not balances.
How to improve DTI (scenario testing)
- Pay down revolving balances to reduce required minimums.
- Refinance to lower required payments if terms improve.
- Increase verified income or add a co-borrower (if allowed).
- Avoid new monthly obligations before applying for credit.
What to include
- Housing payment: rent or PITI (principal, interest, taxes, insurance) plus HOA and PMI if applicable.
- Installment debts: auto loans, student loans, personal loans.
- Revolving debts: credit card minimum payments (as reported).
- Other obligations may be included depending on the lender and program.
Common pitfalls
- DTI usually uses gross income, not take-home pay.
- For mortgages, lenders often use PITI (+ HOA/PMI), not just principal and interest.
- Some debts may be excluded or treated differently depending on lender and program.
- DTI is only one factor; credit, reserves, and underwriting guidelines still apply.
How to use this number
- Use front-end DTI to sanity-check housing affordability under your assumptions.
- Use back-end DTI to see how non-housing debts change affordability and risk.
- If results are borderline, try scenarios: higher rate, higher taxes/insurance, and a higher minimum payment.
DTI guide deep dives
- DTI calculation step by step
- Housing payment inputs (PITI, HOA, PMI)
- What counts in DTI
- How to improve DTI
Related guides
Mortgage payoff topic hub DTI topic hub Credit card payoff strategy Why minimum payments take so long Refinance break-even APR vs interest rate Rent vs buy break-even
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How we calculate
- Front-end DTI = housing payment / gross monthly income.
- Back-end DTI = (housing + other debt payments) / gross monthly income.
- This is an estimate; lenders may include or exclude items based on policy.
FAQ
What counts as monthly debt?
Typically required payments like mortgage/rent, auto loans, student loans, and minimum credit card payments. Some lenders also include other obligations depending on policy.
Do I use gross or net income?
Most DTI calculations use gross income (before taxes). Some affordability checks use net income separately.
What's the difference between front-end and back-end DTI?
Front-end DTI is usually housing-only (often PITI + HOA + PMI). Back-end DTI includes housing plus other required monthly debts.
What is a good DTI?
Many programs use thresholds around 36%-43% for back-end DTI, but it varies by lender, program, and compensating factors.
Is rent included?
Rent is often treated as housing cost in affordability checks. Mortgage underwriting uses the projected housing payment for the loan.
Does this include property taxes and insurance?
If you include them in the housing payment input, yes. For mortgages, lenders often use PITI (principal, interest, taxes, insurance) and may add HOA and PMI.
Do credit card balances affect DTI?
DTI typically uses the required monthly payment (the minimum shown on your statement or credit report), not the balance itself. But higher balances can raise the minimum payment, which can increase DTI.
How are student loans treated in DTI?
Many lenders use the payment shown on your credit report. If the loan is deferred or the payment is $0, some programs use an assumed payment amount. Rules vary by lender and loan program.
Will DTI alone determine approval?
No. Credit score, assets, employment, reserves, and underwriting guidelines also matter.
How can I lower my DTI?
Common approaches include reducing required monthly payments (paying down revolving debt, refinancing to lower required payments, paying off installment loans) and increasing verifiable income. Avoid taking on new monthly obligations before applying.
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Disclaimer
Educational use only. Not financial advice. Results are estimates based on the inputs and assumptions shown on this page. Verify details with lenders, card issuers, and professionals.
Last updated: 2026-02-17