What Is Debt-to-Income Ratio?

Debt-to-income ratio (DTI) is a simple percent: how large monthly debt payments are compared with monthly gross income.

Two common views

Front-end: housing payment ÷ monthly gross
Back-end: all included debts ÷ monthly gross

Sample

$6,000.00 gross · $1,800.00 housing · $400.00 other → back-end 36.7%. Open sample

Frequently asked questions

What is debt-to-income ratio?

DTI compares monthly debt payments to monthly gross income, usually as a percent. Nestfigure shows front-end (housing) and back-end (all debts you include).

What is a sample DTI on $6,000 income?

With $1,800.00 housing and $400.00 other: front-end 30.0%, back-end 36.7%.

Related tool

Estimate DTI with free math

Gross income and monthly debts you enter.

Open debt-to-income calculator

Sources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.