Debt-to-Income Ratio Calculator

See how much of your monthly income goes to debt payments. Lenders use DTI to decide whether you qualify for a mortgage or loan.

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🏠 Mortgage ready

Most lenders prefer a back-end DTI of 36% or less. Find out where you stand.

🔒 Private

All calculations run locally in your browser. Nothing is sent anywhere.

⚡ Instant

Results update as you type. No buttons, no reloads.

📊 Two ratios

Front-end (housing only) and back-end (all debts) โ€” exactly what lenders check.

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Understand your money, plan your budget and make better decisions.