Debt-to-Income (DTI) Ratio Calculator

Compute your back-end and front-end DTI, classify risk, and estimate the maximum affordable new payment against a chosen DTI limit.

Full original guide (expanded)

Debt-to-Income (DTI) Ratio Calculator

Enter your gross income and monthly debts. We’ll compute back-end and front-end DTI, classify risk, and show your maximum additional payment for a chosen DTI cap.

$ / yr

DTI uses gross (pre-tax) income.

$

Rent or mortgage (PITI/HOA if applicable).

$
$
$

Results

Back-end DTI
—
Front-end (housing) DTI
—
Risk Class
—
Max additional payment @ cap
—

Back-end DTI = (total monthly debts ÷ gross monthly income). Front-end = (housing ÷ gross monthly income).

Guidelines

  • < 36% often considered strong.
  • 36–43% fair to caution (program-dependent).
  • > 43% high risk; underwriting exceptions may apply.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Debt-to-Income (DTI) Ratio Calculator

Enter your gross income and monthly debts. We’ll compute back-end and front-end DTI, classify risk, and show your maximum additional payment for a chosen DTI cap.

$ / yr

DTI uses gross (pre-tax) income.

$

Rent or mortgage (PITI/HOA if applicable).

$
$
$

Results

Back-end DTI
—
Front-end (housing) DTI
—
Risk Class
—
Max additional payment @ cap
—

Back-end DTI = (total monthly debts ÷ gross monthly income). Front-end = (housing ÷ gross monthly income).

Guidelines

  • < 36% often considered strong.
  • 36–43% fair to caution (program-dependent).
  • > 43% high risk; underwriting exceptions may apply.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Debt-to-Income (DTI) Ratio Calculator

Enter your gross income and monthly debts. We’ll compute back-end and front-end DTI, classify risk, and show your maximum additional payment for a chosen DTI cap.

$ / yr

DTI uses gross (pre-tax) income.

$

Rent or mortgage (PITI/HOA if applicable).

$
$
$

Results

Back-end DTI
—
Front-end (housing) DTI
—
Risk Class
—
Max additional payment @ cap
—

Back-end DTI = (total monthly debts ÷ gross monthly income). Front-end = (housing ÷ gross monthly income).

Guidelines

  • < 36% often considered strong.
  • 36–43% fair to caution (program-dependent).
  • > 43% high risk; underwriting exceptions may apply.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
Formulas

(Formulas preserved from original page content, if present.)

Version 0.1.0-draft
Citations

Add authoritative sources relevant to this calculator (standards bodies, manuals, official docs).

Changelog
  • 0.1.0-draft — 2026-01-19: Initial draft (review required).