Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Back-end DTI
42.4
Front-end (housing) DTI
29.2
Total monthly obligations
$3,050
Monthly debt to remove to hit target
$0
Housing payment that fits your target
$2,146
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How to use this
- 1Enter gross monthly income ($).
- 2Enter housing payment (piti or rent) ($).
- 3Enter credit card minimums ($/mo).
- 4Enter auto loans / leases ($/mo).
- 5Enter student loans ($/mo).
- 6Enter other obligations (alimony, personal loans) ($/mo).
- 7Enter target back-end dti (%).
- 8Read your back-end dti on the right — it updates as you type.
- 9Hit Share to keep the scenario or send it to someone.
About this calculator
Underwriters look at two ratios: front-end DTI, which is housing cost against gross income, and back-end DTI, which adds every other monthly debt obligation. Most conventional programs want back-end DTI at or below roughly 43–50% depending on the loan and compensating factors, and the ratio uses gross income and minimum payments rather than what you actually spend. This calculator computes both ratios, shows how much monthly debt you would need to eliminate to reach a target, and reports the housing payment that would still fit inside that target — which is the number worth knowing before you shop.
Worked example
Using the values the calculator loads with:
Inputs
- Gross monthly income: 7200 $
- Housing payment (PITI or rent): 2100 $
- Credit card minimums: 210 $/mo
- Auto loans / leases: 480 $/mo
- Student loans: 260 $/mo
- Other obligations (alimony, personal loans): 0 $/mo
- Target back-end DTI: 43 %
Results
- Back-end DTI: 42.4
- Front-end (housing) DTI: 29.2
- Total monthly obligations: $3,050
- Monthly debt to remove to hit target: $0
- Housing payment that fits your target: $2,146
What each field means
Inputs
- Gross monthly income ($)
- The gross monthly income used in the calculation, measured in $. Starts at 7200 $ so you have a working example on load. Accepted range: 1–200000 $.
- Housing payment (PITI or rent) ($)
- The housing payment (piti or rent) used in the calculation, measured in $. Starts at 2100 $ so you have a working example on load. Accepted range: 0–50000 $.
- Credit card minimums ($/mo)
- The credit card minimums used in the calculation, measured in $/mo. Starts at 210 $/mo so you have a working example on load. Accepted range: 0–20000 $/mo.
- Auto loans / leases ($/mo)
- The auto loans / leases used in the calculation, measured in $/mo. Starts at 480 $/mo so you have a working example on load. Accepted range: 0–20000 $/mo.
- Student loans ($/mo)
- The student loans used in the calculation, measured in $/mo. Starts at 260 $/mo so you have a working example on load. Accepted range: 0–20000 $/mo.
- Other obligations (alimony, personal loans) ($/mo)
- The other obligations (alimony, personal loans) used in the calculation, measured in $/mo. Starts at 0 $/mo so you have a working example on load. Accepted range: 0–20000 $/mo.
- Target back-end DTI (%)
- The target back-end dti used in the calculation, measured in %. Starts at 43 % so you have a working example on load. Accepted range: 10–60 %.
Results
- Back-end DTI
- Returned as a whole number and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Front-end (housing) DTI
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total monthly obligations
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Monthly debt to remove to hit target
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Housing payment that fits your target
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Gross or net income?
Gross — income before taxes and deductions. Using net will understate your ratio compared with how a lender calculates it.
Do utilities and groceries count?
No. DTI counts debt obligations that appear on your credit report plus housing, taxes, and insurance — not living expenses.
What DTI do lenders want?
It depends on the program. Many conventional loans target 43% or below on the back end, with exceptions up to roughly 50% for strong files. Government programs differ.
Does paying off a card help more than a car loan?
Often yes per dollar, because card minimums are small relative to balance. Removing an instalment payment entirely can help more if it is large.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Debt-to-Income Ratio Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/debt-to-income-ratio-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/debt-to-income-ratio-calculator" target="_blank" rel="noopener">Debt-to-Income Ratio Calculator — RevenueLab</a> (2026).</p>
Source: [Debt-to-Income Ratio Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/debt-to-income-ratio-calculator) (2026).