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Debt-to-Income Calculator

Estimate how monthly housing costs and other debt payments compare with gross income. This is a general ratio check, not a lender decision.

Debt-to-income inputs

Income and housing costs

Enter gross income, housing payment and regular housing costs for the ratio estimate.

$
$
$
$
$

Result updated. Estimated debt-to-income ratio 46.7%.

Result summary

Debt-to-income ratio

Debt ratio estimate from the income and payment values entered.

High range

46.7%

The estimated ratio is high under the guide bands used by this calculator.

Key numbers

Housing ratio
40%
Monthly debts
6.7%

Key takeaway

The estimated back-end debt-to-income ratio is 46.7%. That means about 46.7% of gross monthly income is represented by the housing and debt payments entered.

Other monthly debt payments

Add required regular debt payments, such as car loans, personal loans, credit cards or student loans.

$
$
Additional housing assumptionsAdd shared-property fees or other monthly housing costs.
$
$
Region and currencyChanges defaults and currency formatting only.

Region settings change defaults, labels, units and formatting only. They do not convert currencies or provide tax advice. US defaults use USD formatting, property taxes and HOA fee labels.

Ratio breakdown

Housing and total debt ratios from the values entered.

Front-end housing ratio
40%
Back-end debt-to-income ratio
46.7%
Housing costs entered
$3,000
Debt payments entered
$500

Income and payment metrics

Monthly income, housing costs and other debt payments.

Monthly gross income
$7,500
Monthly housing cost
$3,000
Other monthly debts
$500
Remaining gross income
$4,000

Warnings to note

  • The estimated total debt-to-income ratio is high under the guide bands used here.
  • Gross income is before tax and deductions, so it is not the same as take-home pay.
  • Lender criteria vary. This ratio estimate is not mortgage approval or borrowing advice.

Save or share this result

Copy a plain-English summary or download a CSV with the inputs, results, warnings and general-estimate note.

Exports are generated in your browser. NoNoiseTools does not need to store your numbers or require an account.

General estimate only

This calculator provides general ratio estimates only. It is not financial, legal, accounting, credit, mortgage, lending or debt counselling advice. Lenders use their own criteria and may consider factors not included here.

How this debt-to-income calculator works

The calculator converts the income entered into a monthly estimate, then compares monthly housing costs and other debt payments with that gross monthly income.

Front-end and back-end ratios

The front-end ratio looks at housing costs only. The back-end debt-to-income ratio usually includes housing plus other monthly debt payments such as car loans, credit cards, personal loans or student loans.

Why this is not mortgage approval

Lenders use their own criteria and may consider credit history, assets, savings, loan type, documents, local rules and other information not included in this calculator.

What this calculator does not include

This calculator does not include living expenses, tax, credit scores, lender rules, local mortgage programmes, loan approvals or personal advice.

Key terms and assumptionsFormula notes, key terms, source assumptions and limits used in this calculator.

These notes are specific to this calculator. Read the property methodology notes for shared property formulas, region settings and estimate limits.

Debt-to-income ratio
Debt-to-income compares monthly debt payments with gross monthly income.
Front-end ratio
The front-end ratio compares monthly housing costs with gross monthly income.
Back-end ratio
The back-end ratio usually includes housing costs plus other monthly debt payments.
Gross income
Gross income is income before tax and deductions. It is not the same as take-home pay.
Guide bands
The ratio bands are general guide bands only and are not lender rules or approval criteria.
Region settings
Region settings change defaults, labels and currency formatting only. They do not convert exchange rates or create country-specific results.
General estimate
Lenders use their own criteria and may consider credit history, assets, savings, loan type, documents and local rules.

Guides and methodology

Plain-English notes that explain the assumptions behind related calculators and tools.

Mortgage Affordability Assumptions: Income, Debt, Deposit and Housing CostsUnderstand the income, debt, deposit, housing-cost and loan-to-value assumptions behind mortgage affordability estimates.Mortgage Repayments ExplainedUnderstand principal, interest, home-loan repayments, total housing cost and regional mortgage wording.Deposit, Down Payment and Loan-to-Value ExplainedA plain-English guide to deposits, down payments, loan amount, loan-to-value, purchase costs and savings gaps.Property calculator methodologyShared property formulas and assumptions for mortgages, rental metrics, downside scenarios, region settings and estimate limits.

Related calculators

FAQs

What is debt-to-income ratio?

It compares monthly debt payments with gross monthly income.

What is the difference between front-end and back-end DTI?

Front-end ratio looks at housing costs only. Back-end ratio includes housing plus other debt payments.

Does this tell me whether a lender will approve a mortgage?

No. Lenders use their own criteria and may consider many factors beyond this ratio.

Should I use gross or take-home income?

Debt-to-income is usually based on gross income, but household budgeting may also need after-tax income.

Which debts should I include?

Include regular required debt payments such as car loans, credit cards, personal loans and student loans.

Does rent count as housing cost?

You can use rent or a proposed mortgage payment depending on the question you are testing.

Does this include living expenses?

Not by default. It focuses on income, housing and debt payments.

Is this financial advice?

No. It is a general calculator based on the values entered, not mortgage, financial, legal, credit or debt counselling advice.