Is this calculation free and private?

Yes, 100% of calculations execute locally in your web browser. No inputs or personal data are stored or transmitted.

What does the Debt-to-Income (DTI) Ratio Calculator give me?

It works out Front-End DTI Ratio, Back-End Total DTI Ratio and Conventional Approval, updating live as you change the inputs.

What do I need to enter?

Just Gross Monthly Pre-Tax Income, Proposed Mortgage, Monthly Auto Loans, Monthly Student Loans and Minimum Credit Card Payments. Every field has a sensible default you can start from.

Is my data uploaded anywhere?

No. The calculation runs in your browser with JavaScript — nothing you type is sent to a server or stored.

Does it work on a phone?

Yes. The layout adapts to small screens and needs no app or signup.

Debt-to-Income (DTI) Ratio Calculator

Calculate mortgage underwriting Front-End housing ratio and Back-End total debt-to-income percentage.

100% free
Private in browser
No signup
No watermarks

Gross Monthly Pre-Tax Income ($)

Proposed Mortgage (PITI) ($)

Monthly Auto Loans ($)

Monthly Student Loans ($)

Minimum Credit Card Payments ($)

Front-End DTI Ratio (%)

28.2

Back-End Total DTI Ratio (%)

37.9

Conventional Approval (1=Pass ≤ 43%, 0=High)

Approved (<=43%)

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About Debt-to-Income (DTI) Ratio Calculator

Calculate mortgage underwriting Front-End housing ratio and Back-End total debt-to-income percentage. Enter Gross Monthly Pre-Tax Income, Proposed Mortgage and Monthly Auto Loans and the tool works out Front-End DTI Ratio, Back-End Total DTI Ratio and Conventional Approval straight away. Everything runs in your browser, so your data never leaves your device.

How to use Debt-to-Income (DTI) Ratio Calculator

Enter Gross Monthly Pre-Tax Income, Proposed Mortgage and Monthly Auto Loans.
Adjust the remaining options (Monthly Student Loans and Minimum Credit Card Payments) to match your case.
Read Front-End DTI Ratio, Back-End Total DTI Ratio and Conventional Approval in the results panel — copy or download what you need.

Key features

Shows Front-End DTI Ratio (%)
Shows Back-End Total DTI Ratio (%)
Shows Conventional Approval (1=Pass ≤ 43%, 0=High)
5 adjustable inputs, results update as you type
No signup, no limits

Frequently asked questions

Is this calculation free and private?: Yes, 100% of calculations execute locally in your web browser. No inputs or personal data are stored or transmitted.
What does the Debt-to-Income (DTI) Ratio Calculator give me?: It works out Front-End DTI Ratio, Back-End Total DTI Ratio and Conventional Approval, updating live as you change the inputs.
What do I need to enter?: Just Gross Monthly Pre-Tax Income, Proposed Mortgage, Monthly Auto Loans, Monthly Student Loans and Minimum Credit Card Payments. Every field has a sensible default you can start from.
Is my data uploaded anywhere?: No. The calculation runs in your browser with JavaScript — nothing you type is sent to a server or stored.
Does it work on a phone?: Yes. The layout adapts to small screens and needs no app or signup.

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