Compute front-end (housing ÷ gross) and back-end ((housing + other debt) ÷ gross) debt-to-income ratios.
| Front-end (%) | – |
| Back-end (%) | – |
Use this DTI calculator for the US 28/36-style underwriting shorthand: housing costs versus all recurring debt, each divided by gross monthly income. The 28/36 rule is a guideline, not a law. Put PITI (principal, interest, tax, insurance) in housing. Other debt is car loans, student loans, minimum card payments, and similar — not the housing number again.
Front-end % = 100 × housing ÷ gross. Back-end % = 100 × (housing + other debt) ÷ gross.
Other debt / month: Recurring non-housing debt payments.
Housing / month: Rent or PITI for the month.
Gross income / month: Gross pay before tax.
Front-end (%): Housing as a percent of gross.
Back-end (%): Housing plus other debt as a percent of gross.
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