Nestfigure Nestfigure Debt-to-Income Calculator
Live Updates as you type
e.g. rent or mortgage payment. Include taxes/insurance only if you want them in the model.
e.g. auto loan, student loan, minimum card payments you choose to include.
Back-end DTI (total debt)
0%
Front-end DTI (housing)
0%
Monthly gross
$0.00
Total monthly debt
$0.00
Gross left after debts
$0.00
Item Amount
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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 remainder

Compare incomes (same debts)

Back-end DTI at different monthly gross levels
Monthly gross Front-end Back-end

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.

Open full page on nestfigure.com · Educational estimates only