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Debt-to-Income Ratio Calculator

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🇺🇸 US-specific: the 28% (front-end) / 36% (back-end) thresholds are a conventional US mortgage-underwriting guideline — other countries don't use this same benchmark.

Front-end ratio (housing only) 0%

Back-end ratio (all debts) 0%

Conventional US mortgage lenders commonly use 28% (front-end) and 36% (back-end) as standard maximums, though some lenders accept higher ratios depending on credit and other factors — these thresholds are guidance, not a guarantee either way.

Free debt-to-income ratio calculator computing both front-end (housing only) and back-end (all debts) DTI, each shown with a color-coded bar against the conventional 28%/36% lender thresholds — so you see at a glance where you stand, not just a bare percentage.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

  1. Enter your gross monthly income, housing costs, and other monthly debt payments
  2. See your front-end and back-end DTI ratios, each with a color-coded status bar
  3. Green means within typical lender comfort zone, amber means above the common maximum, red means well above it

Frequently asked questions

What's the difference between front-end and back-end DTI?

Front-end DTI only counts housing costs (rent or mortgage, property tax, insurance, HOA) against your income. Back-end DTI adds every other debt payment on top — credit cards, auto loans, student loans, and so on. Lenders look at both.

What counts as a 'good' DTI?

US conventional mortgage lenders commonly use 28% as the front-end maximum and 36% as the back-end maximum, though some lenders accept ratios up to 43-45% depending on credit and other factors. These are guidelines, not a guarantee of approval or denial either way.

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From the blog

Knowing your DTI is 35% doesn't tell you much. Knowing it's in the green zone does.
finance-calc

Knowing your DTI is 35% doesn't tell you much. Knowing it's in the green zone does.

A thorough DTI calculator explains the 28%/36% lender thresholds in a paragraph of text. We put them on a bar you can read in half a second.

2026-09-01

Update history

  • 2026-09-01 Added: a cover image (a horizontal gauge bar with a house icon at the low end and scattered bills at the high end, a needle pointing partway across) — used as the card thumbnail, social share image, and blog title image.
  • 2026-09-01 Launched: debt-to-income ratio calculator (no button) — front-end and back-end DTI with color-coded status bars against conventional lender thresholds. Entirely client-side.