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Educational ratio only. Not a credit decision, mortgage pre-approval, or lender guideline. What counts as “debt” or “income” can differ by lender and product.
Where monthly gross goes (model)
Housing vs other debt vs remainderCompare incomes (same debts)
Back-end DTI at different monthly gross levels| Monthly gross | Front-end | Back-end |
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About common percentage talk
People and lenders sometimes discuss example thresholds (for example housing near 28% or total near 36% in older illustrations). Those are not Nestfigure rules and are not advice that any ratio is “good” or “bad” for you. Programs and underwriters set their own criteria. Educational consumer information about mortgages is available from the CFPB on consumerfinance.gov.
Key takeaways
- Sample only: $6,000.00 monthly gross · $1,800.00 housing · $400.00 other → front-end 30.0%, back-end 36.7%.
- Front-end uses housing payments only; back-end adds other debts you include.
- Not underwriting: Lenders may count income and debts differently.
- Consumer mortgage tools: CFPB — Mortgages
How it works
DTI is a ratio of monthly debt payments to monthly gross income. Nestfigure shows the arithmetic with numbers you type. Details: how we calculate.
Worked examples
Guides
How does this debt-to-income calculator work?
Front-end DTI = housing debt ÷ monthly gross × 100. Back-end DTI = (housing + other debt) ÷ monthly gross × 100. Sample: $6,000.00 gross, $1,800.00 housing, $400.00 other → front-end 30.0%, back-end 36.7%. Not underwriting.
Is a certain DTI “good” or approved?
Nestfigure does not approve loans or call any ratio good or bad. Lenders and programs set their own rules. This tool only multiplies the numbers you enter.
Can I prefill from a link?
Yes. Parameters: mode (monthly|annual), monthlyIncome, annualIncome, housing, other.
Is this DTI calculator free?
Yes—free, no signup. Educational math only; not credit advice.
How we calculate · Common questions · Sample prefill · Loan calculator · Paycheck calculator
Disclaimer: Educational estimates only—not underwriting, credit scores, or advice that any DTI is approved or denied.
YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.