Personal Budget Alignment
Build a clean monthly plan. Add multiple calculator owners, track expenses, and see combined totals instantly.
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Debt-to-Income (DTI) Ratio Calculator
What is a Debt-to-Income Ratio?
DTI compares your monthly debt payments to your gross income. Lenders use it to judge affordability. Lower ratios generally mean you have more room in your budget.
Front-End Ratio
This focuses on housing costs (rent, mortgage, taxes, insurance, HOA). It helps estimate how much home you can reasonably afford.
Back-End Ratio
This includes all recurring debts. Many lenders look for a back-end DTI under 43%, with lower numbers improving approval odds.
Estimate how your monthly debt compares to your gross income and see a quick health check.
Debts / Expenses
Incomes (Before Tax)
How to read this
Front-end DTI focuses on housing costs. Back-end DTI includes all monthly debt. Lower is better.
- Safe: 0% - 36%
- Moderate: 37% - 43%
- High: 44%+