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Debt-to-Income ratio calculator

Work out the front end and back end debt to income ratios lenders check, plus the change needed to reach a target ratio.

Enter a monthly income and the payments to see both ratios.

The front-end ratio is the housing payment over gross monthly income. The back-end adds every other debt payment lenders count: loans, card minimums, support you pay. US conventional underwriting leans on 28/36 and qualified mortgages use a 43 percent back-end line; Indian FOIR reads one total-debt limit instead, so set the two limit fields to match whichever rule you are checking. This is a pre-screen, not a lending decision: lenders also weigh credit history, reserves, and the loan product, and none of that lives here.
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