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⚖️ Debt-to-Income (DTI) Calculator
Debt-to-Income (DTI) ratio is monthly debt payments divided by gross monthly income. Lenders use it to decide if you can afford a mortgage. Front-end DTI is just housing; back-end is housing + all other debts.
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Examples
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Input
$8k/mo gross · $2.4k housing · $1k other debtsOutput
Front-end 30% · Back-end 42.5% (under 43% cap)Frequently asked questions
Good DTI?
Under 36% back-end is excellent. 36-42% acceptable. 43-50% typical cap. Above 50% blocks most approvals.
Why do lenders care?
High DTI = thin margin. Small income shock causes default.
How to lower it?
Pay off small debts. Refinance to lower payments. Or earn more.
About this calculator
Debt-to-Income (DTI) Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- 🏦 Loan-to-Value (LTV) Calculator — LTV ratio = loan amount / property value. Determines PMI and refi terms.
- 🏘️ Home Affordability Calculator — How much house can you afford? Based on income, debts, down payment, and rate.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |