Many lenders prefer back-end DTI below 36%, and often require 43% or lower for many mortgage programs.

Finance Calculators

Debt-to-Income Ratio Calculator

Calculate front-end and back-end debt-to-income ratio used by lenders.

Gross Monthly Income

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Housing Payment (PITI)

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Other Monthly Debts

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Front-end DTI0.00%

Back-end DTI0.00%

Risk BandLow

Debt-to-Income Ratio Formula

Front DTI = Housing / Gross Income × 100

Back DTI = (Housing + Other Debts) / Gross Income × 100

Income ৳702,000.00 housing ৳210,600.00 other debts ৳58,500.00 → Back DTI = (1800+500)/6000 = 38.33%.

What is a good DTI?

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