United States · Mortgage & Real Estate

Mortgage DTI Calculator

Calculate front-end and back-end debt-to-income ratios from gross monthly income and debts.

US dollarsRuns in your browserFormula & assumptions ↓

Your inputs

Your results

Enter your values and calculate to see the result.

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How this Mortgage DTI Calculator works

The calculator uses only the assumptions you enter and shows a transparent planning estimate. Change the inputs to compare scenarios rather than treating defaults as market quotes.

Formula and assumptions

Fixed-rate loan tools use standard amortization math. Real-estate ratios use the income, value, debt service or expense figures entered. Costs not shown as inputs are not automatically included.

Important limitations

Property taxes vary by jurisdiction and assessed value. Mortgage pricing, ARM adjustments, commissions, lender underwriting and rental expenses vary by transaction. Verify material decisions with current lender documents, tax records and professional advice.

Browse all US mortgage and real-estate calculators.

How to use this calculator

  1. Set Gross monthly income (default 10000).
  2. Set Proposed monthly housing payment (default 2800).
  3. Set Other monthly debt payments (default 700).
  4. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Actual lender terms, taxes, insurance, fees, commissions, property costs and underwriting can differ.

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