How to Calculate Debt-to-Income (DTI) Ratio

Your Debt-to-Income (DTI) ratio compares total monthly debt payments to your gross monthly income. Lenders use it to decide whether you qualify for a mortgage, auto loan, or refinance. A lower DTI signals you have room in your budget to take on a new payment. This guide covers both front-end and back-end DTI.

CalcPlanet – Free Online Calculators

725+ free calculators and 108 tools for math, money, health, and everyday life. Instant results, verified formulas, no sign-up.

· Reviewed against our Editorial Standards and Formula Sources.

CalcPlanet calculators are free, privacy-first, and formula-reviewed.

Editorial Standards · Formula Sources · Privacy · Terms · Contact