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Debt-to-Income Ratio Calculator

Math

Compute the debt-to-income ratio (total monthly debt payments over gross monthly income) from one or more monthly debts, plus a qualitative tier matching common mortgage-lending guidance.

Enter one or more monthly debt payments, such as rent or a mortgage, a car loan, student loans, and minimum credit card payments, along with your gross monthly income, to see your back-end debt-to-income ratio. Each debt shows its own share of your income alongside the combined total, and the overall ratio gets a qualitative tier drawn from common mortgage-lending guidance: under 36% is healthy, up to 43% is moderate, up to 50% is high, and above that is severe. This is pure arithmetic on the numbers you type in, not a loan pre-approval or a lookup of your actual credit accounts.

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How to use Debt-to-Income Ratio Calculator

  • 1.Add a label and monthly amount for each debt payment you want to include.
  • 2.Enter your gross (pre-tax) monthly income.
  • 3.Read each debt's share of income and the combined DTI percentage and tier at the bottom.

Frequently asked questions

Is this a front-end or back-end DTI ratio?
Back-end: it sums every monthly debt payment you enter, not just housing costs. A front-end ratio (housing only) is a different, narrower calculation this tool doesn't compute separately.
Where do the 36% / 43% / 50% tier thresholds come from?
They're common mortgage-lending rules of thumb, not a single official standard. 43% is the back-end ratio ceiling many conventional mortgage lenders use, and 50%+ is a threshold the CFPB flags as leaving little room for anything else.
Should I include rent or my mortgage payment as a debt?
Yes, for a standard back-end DTI you include housing costs (rent or mortgage principal, interest, taxes, and insurance) along with every other recurring debt payment.
Does this pull my real income or account data?
No. It's arithmetic on the numbers you type in and never looks up or stores any real income, loan, or credit account data.

Use via API, SDK, or MCP

cURL# Free: 1,000 req/day · Pro: 10,000 req/day
curl -X POST https://api.utilix.tech/v1/tools/debt-to-income-ratio-calculator \
  -H "Authorization: Bearer utx_live_..." \
  -H "Content-Type: application/json" \
  -d '{"debts":[{"label":"Rent","amount":1500},{"label":"Car loan","amount":400}],"grossMonthlyIncome":5000}'

Get an API key from your dashboard · Full API docs →

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