Tool: Debt-to-income calculator · Embed · All how-we-calculate pages · Questions
Purpose
Estimate front-end and back-end debt-to-income ratios from gross income and monthly debt payments you enter. Educational only—not a credit decision.
Formulas
- Monthly gross = monthly amount, or annual ÷ 12
- Front-end DTI % = housing debt ÷ monthly gross × 100
- Back-end DTI % = (housing + other debt) ÷ monthly gross × 100
- Gross left after debts = monthly gross − total debt (not take-home pay)
What we intentionally leave out
- Lender-specific definitions of qualifying income
- Credit scores, residual income rules, and program overlays
- Automatic judgment that any ratio is approved or denied
- Taxes, benefits, or net paycheck modeling (see paycheck calculator)
Official consumer context
For consumer mortgage education, see CFPB mortgage tools.
Last reviewed: August 9, 2026.
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.