Debt-to-income
Debt-to-Income Ratio Calculator
Work out your front-end and back-end debt-to-income ratios the way an underwriter does, and see how much monthly debt you could add or need to clear.
Back-end ratio38.9%Inside the 43% limit.
- Front-end ratio
- 31.1%Housing payment alone.
- Monthly debt you could add
- $370
How the math works
- 1
Front-end ratio
Divide the full housing payment by gross monthly income.
- 2
Back-end ratio
Add other monthly debt payments to the housing payment, then divide by gross monthly income. This is the ratio lenders apply their limit to.
- 3
Room or shortfall
Multiply income by the limit and subtract all payments. Positive means room to spare; negative is debt to pay down or housing cost to trim.
Worked example with the starting figures above: back-end ratio 38.9%; front-end ratio 31.1%; monthly debt you could add $370. Rates are illustrative examples, not a quote.