Debt-to-Income Ratio Calculator

ANA›Life Services Authority›National Calculator Authority›Debt-to-Income Ratio Calculator

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Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio to understand your financial health and determine loan eligibility. Lenders use this metric to evaluate your ability to manage monthly payments.

Gross Monthly Income ($)

Monthly Mortgage / Rent Payment ($)

Monthly Car Loan Payment ($)

Monthly Student Loan Payment ($)

Monthly Credit Card Minimum Payments ($)

Other Monthly Debt Payments ($)

Calculate DTI Ratio

function debCalc() { var resultDiv = document.getElementById('deb-result');

var grossIncome = parseFloat(document.getElementById('deb-gross-income').value); var mortgage = parseFloat(document.getElementById('deb-mortgage').value) || 0; var car = parseFloat(document.getElementById('deb-car').value) || 0; var student = parseFloat(document.getElementById('deb-student').value) || 0; var credit = parseFloat(document.getElementById('deb-credit').value) || 0; var other = parseFloat(document.getElementById('deb-other').value) || 0;

// --- Input Validation --- if (isNaN(grossIncome) || grossIncome ⚠ Please enter a valid gross monthly income greater than zero.'; return; } if (mortgage ⚠ Debt payment values cannot be negative.'; return; }

// --- Core Formula --- // DTI (%) = (Total Monthly Debt Payments / Gross Monthly Income) × 100 var totalDebt = mortgage + car + student + credit + other; var dti = (totalDebt / grossIncome) * 100;

// Front-end ratio (housing only) var frontEnd = (mortgage / grossIncome) * 100;

// --- DTI Classification --- var category, categoryColor, advice; if (dti 50%)"; categoryColor = "#c0392b"; advice = "Your DTI is very high. Loan approval will be difficult. Prioritize paying down existing debts before seeking new credit."; }

// --- Render Results --- resultDiv.style.display = 'block'; resultDiv.innerHTML = '### Results ' + '' + 'Gross Monthly Income' + '$' + grossIncome.toFixed(2) + '' + 'Total Monthly Debt Payments' + '$' + totalDebt.toFixed(2) + '' + 'Front-End Ratio (Housing Only)' + '' + frontEnd.toFixed(2) + '%' + '' + 'Debt-to-Income Ratio (DTI)' + '' + dti.toFixed(2) + '%' + 'Category: ' + '' + category + '' + '' + advice + '' + ''; }

#### Formula

DTI (%) = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

Where:

Total Monthly Debt Payments = Mortgage/Rent + Car Loan + Student Loan + Credit Card Minimums + Other Debts
Gross Monthly Income = Pre-tax monthly income from all sources
Front-End Ratio = (Housing Payment ÷ Gross Monthly Income) × 100 — measures housing cost burden alone

Example: Total debts = $1,850/month; Gross income = $5,000/month → DTI = (1,850 ÷ 5,000) × 100 = 37%

#### Assumptions & References

Income is entered as gross (pre-tax) monthly income, consistent with standard lender practice.
Only minimum required payments on revolving debts (e.g., credit cards) are included, not full balances.
The 43% DTI threshold is the maximum generally allowed for a Qualified Mortgage (QM) under the Consumer Financial Protection Bureau (CFPB) rules.
The front-end ratio (housing-only) should ideally be 28% or below per conventional lending guidelines (Fannie Mae / Freddie Mac).
FHA loans may allow DTI up to 50% with compensating factors; VA loans have no hard DTI cap but use a residual income test.
References: CFPB — Debt-to-Income Ratio; Fannie Mae Selling Guide B3-6-02.

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