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Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios.
Incomes (Before Tax)
$
$
$
$
Debts / Expenses
$
$
$
$
$
$
$
$
$
Monthly Gross Income
$5,000.00
Total Housing Costs
$1,500.00
Total Debt Payments
$1,500.00
Front-End DTI
Housing costs / Income
30.0%
Good
0%28%36%43%100%
Back-End DTI
Total debts / Income
30.0%
Good
0%28%36%43%100%
DTI Interpretation
Excellent
0% – 28%
Good
28% – 36%
Fair
36% – 43%
High
43%+
Front-End DTI = Housing costs / Gross income — ideal ≤ 28%
Back-End DTI = Total debts / Gross income — ideal ≤ 36%