Debt-to-Income (DTI)

Calculate front-end and back-end debt-to-income ratios for mortgage planning. Free online calculator with formulas and step-by-step solutions.

About this tool

Calculate front-end and back-end debt-to-income ratios for mortgage planning. Free online calculator with formulas and step-by-step solutions.

How to use this calculator

1. Enter the main planning inputs first, such as amount, rate, term, or contribution.
2. Check the assumptions behind the result, especially rate, taxes, fees, or timing.
3. Use the output as a planning baseline rather than a final legal or lender-approved figure.
4. Review the formula steps so you can see exactly how the estimate was constructed.