Debt-to-income (DTI) calculator
Front-end and back-end DTI from income and monthly debts (educational bands only).
Enter gross monthly income and itemized monthly debts. Front-end is housing only; back-end adds other debts. Estimates for education - not underwriting or an approval decision.
Before taxes - what lenders usually use for DTI
Rent or mortgage PITI if known
Auto, student, personal, and similar fixed loans
Credit cards and lines of credit minimums
Your DTI
42.7%
Back-end DTI · Band: 36-43%
- Front-end DTI
- 30%
- Back-end DTI
- 42.7%
- Total monthly debts
- $2,350.00
Between 36% and 43% is a common educational ceiling range many mortgage programs discuss. Lenders still set their own rules.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.