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Debt-to-income (DTI) ratio calculator
Your front-end and back-end debt-to-income ratio, and how lenders see it for a mortgage or loan.
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About Debt-to-income (DTI) ratio calculator
Calculates your front-end ratio, housing costs over gross income, and back-end ratio, all debts over gross income. Lenders use these to judge whether you can afford a mortgage or loan. Many aim for a back-end ratio under about 36 percent, though limits vary.
How to use Debt-to-income (DTI) ratio calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
What is a good debt-to-income ratio?
Under 36 percent is generally considered healthy, and many lenders accept up to 43 percent for a mortgage. Lower ratios usually get better terms.
Is Debt-to-income (DTI) ratio calculator free?
Yes. Debt-to-income (DTI) ratio calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.