Debt to income ratio calculator
Lenders compare your monthly debts with your gross monthly income. Enter yours to see both ratios.
Your numbers
The numbers filled in are examples only. Replace them with your own.
Lenders set their own limits. This shows your ratios, not an approval.
Results
- Back end ratio (all debts)
- 28%
- Front end ratio (housing)
- 24%
- Gross monthly income
- $12,500
Estimate only, not a loan offer or advice. Real costs depend on your lender, credit, taxes and insurance quotes.
Questions people ask
- What is the difference between front end and back end?
- Front end is your housing payment divided by gross monthly income. Back end adds every other monthly debt, such as car, student loan and card minimum payments.
- What counts as a debt?
- Monthly payments that show on your credit report plus things like child support. Everyday bills like utilities and groceries usually do not count.
- What ratio do lenders want?
- Each lender and loan type sets its own limits. Ask a lender what applies to you.