// multi-utility computation suite · offline · instant · precise
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fin.debt-to-income-ratio Calculator
Calculates front-end and back-end Debt-to-Income ratios from gross monthly income and monthly debt obligations. DTI is the primary criterion in mortgage underwriting — conventional loans require back-end DTI below 43%, QM loans below 43% for safe harbor.
Inputs
Monthly Gross Income
Reference formula or conversion factor shown for context.
Housing Payment
Reference formula or conversion factor shown for context.
Auto Loan
Reference formula or conversion factor shown for context.
Student Loan
Reference formula or conversion factor shown for context.
Other Debt
Reference formula or conversion factor shown for context.
Results
front-end DTI (housing only)
Sample size or count used in the calculation.
back-end DTI (all debts)
Sample size or count used in the calculation.
total monthly debt
The combined total across all inputs and components.
mortgage approval
Reference formula or conversion factor shown for context.
qualification
The value at the specified point or condition.
QM limit
Reference formula or conversion factor shown for context.