Debt health calculator
Debt-to-Income Calculator
Calculate front-end DTI from housing costs and back-end DTI from total monthly debt, then compare the result with common planning benchmarks.
Calculator
Debt-to-Income Calculator
DTI explained
Front-end DTI looks at housing cost compared with gross monthly income. Back-end DTI includes housing plus other recurring debts such as auto loans, student loans, credit card minimums and personal loans.
Worked example
If gross monthly income is $7,000, housing is $1,800 and other debts are $880, front-end DTI is about 25.7% and back-end DTI is about 38.3%.
Methodology
DTI is recurring monthly debt divided by gross monthly income. The calculator uses 36% and 43% as planning reference points, not approval guarantees.
Sources and review
Last reviewed: August 16, 2026.
- Consumer Financial Protection Bureau debt resources
- CFPB auto loan resources
- Federal Student Aid repayment plan resources
See the calculator methodology and data sources pages.
Frequently asked questions
What is front-end DTI?
Front-end DTI is housing cost divided by gross monthly income.
What is back-end DTI?
Back-end DTI is all recurring monthly debt divided by gross monthly income.
Are 36% and 43% approval rules?
No. They are common planning benchmarks; lender programs and underwriting rules vary.