Debt-to-Income Calculator
Calculate your DTI ratio to understand your borrowing capacity.
Income and monthly debt inputs
Use gross monthly income before taxes and required monthly debt payments.
Income before taxes and deductions.
Rent, mortgage, taxes, insurance, or housing estimate.
Required monthly minimum card payments.
Monthly car loan or vehicle finance payments.
Required monthly student loan payments.
Personal loan or installment debt payments.
Other recurring monthly debt obligations.
Back-end DTI
44.2%
High: Some lenders may view this as a tighter monthly budget.
Total monthly debt
£2,650.00
Housing plus recurring monthly debt payments.
Front-end DTI
30.0%
Housing payment divided by gross monthly income.
Gross monthly income
£6,000.00
Income before taxes and deductions.
Non-housing debt
£850.00
Credit cards, auto, student, personal, and other debts.
Income after debts
£3,350.00
Gross income minus monthly debt payments.
Room to 36% DTI
-£490.00
Estimated room before total DTI reaches 36%.
Room to 43% DTI
-£70.00
Estimated room before total DTI reaches 43%.
Support
Borrowing support layer
Formula based
Uses standard front-end and back-end DTI formulas based on gross monthly income and monthly obligations.
Estimate only
Results are educational estimates. Lender rules, underwriting standards, and included debts can vary.
Planning focused
Use DTI to test housing payments, debt reduction plans, and borrowing flexibility before applying.
Interpretation
What these DTI results mean
Back-end ratio
Your back-end DTI is 44.2%, based on £2,650.00 in monthly debt payments and £6,000.00 gross monthly income.
Housing ratio
Your front-end DTI is 30.0%, meaning housing uses about 30.0% of gross monthly income.
Remaining income
After required monthly debt payments, estimated gross income remaining is £3,350.00.
DTI context
DTI is only one part of affordability. Credit profile, savings, down payment, loan type, and local rules may also matter.
DTI basics
How debt-to-income ratio works
Gross income
DTI normally uses income before taxes and deductions, not take-home pay.
Monthly debts
Required debt payments are added together, including loans and credit card minimum payments.
Ratio format
Total monthly debt is divided by gross monthly income and shown as a percentage.
Lender review
Lenders may use DTI to evaluate borrowing capacity, but exact thresholds vary.
Comparison
Front-end DTI vs back-end DTI
Front-end DTI
30.0%
Front-end DTI measures housing payment only, such as rent or proposed mortgage payment, against gross monthly income.
Back-end DTI
44.2%
Back-end DTI includes housing plus other recurring debt payments for a fuller debt-burden picture.
Debt inputs
What payments usually count in DTI
Housing
Rent, mortgage payment, taxes, insurance, or proposed housing cost may be used depending on the context.
Auto loans
Vehicle loan or lease payments usually count as recurring monthly debt.
Student loans
Required student loan payments can be included in total monthly debt.
Credit cards
Minimum required monthly payments usually count, rather than the full balance.
Personal loans
Installment loans and personal debt obligations are commonly included.
Usually excluded
Groceries, utilities, savings, subscriptions, and discretionary spending are usually not part of DTI.
Improvement
Ways to lower debt-to-income ratio
Reduce monthly debt
Paying down or paying off loans can lower required monthly payments.
Increase gross income
Higher verified gross income can reduce the DTI percentage if debts stay the same.
Adjust housing target
Choosing a lower housing payment can reduce front-end and back-end DTI.
Formula
Debt-to-income formula explanation
Back-end DTI
Back-End DTI = Total Monthly Debt ÷ Gross Monthly Income × 100Back-end DTI includes housing plus other required recurring monthly debts.
Front-end DTI
Front-End DTI = Housing Payment ÷ Gross Monthly Income × 100Front-end DTI focuses only on housing cost relative to gross monthly income.
Monthly debt
Total Monthly Debt = Housing + Credit Cards + Auto + Student + Personal + OtherAdd required recurring debt payments to estimate total monthly debt burden.
FAQ
Debt-to-income calculator questions
Debt-to-income ratio, or DTI, compares required monthly debt payments with gross monthly income. It is usually shown as a percentage.