United States DTI CalculatorPart of Cindrus
Debt-to-income, as lenders in the U.S. describe it

Calculate your debt-to-income ratio

Add up your gross monthly income and the payments you make on debts each month. The calculator gives both ratios lenders talk about: housing alone, and housing plus everything else you owe.

No account needed
No credit check
No lender contact

Cindrus is a calculation tool, not a financial advisor. We give no personal advice and do not arrange loans.

All fields are blank to begin with. Only the amounts you enter are used.

Monthly income

Pay before taxes and deductions, plus other regular income you can document.

Optional. Only if someone will be on the loan with you.

Monthly payments

What you pay now or expect to pay: the loan payment plus tax, insurance, any PMI and any HOA dues.

The minimum payment on each statement, not the balance.

If a loan shows no payment because it is deferred, a lender may still count an amount for it. Ask which rule they use and enter that figure.

Optional. Any ratio you want to compare with, such as one from a loan program you are looking at.

Your debt-to-income ratios

For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.

This calculation is not a loan offer, a personal recommendation or an assessment of whether you would be approved for a loan.

Basis: the monthly income and payments you entered. No credit report and no lender criteria are used. The rate and costs you can actually get may differ.

Create a free Cindrus account Put your loans and other debts in one overview, together with what you own. No credit check is run and no card is asked for.
How the numbers are read:
  • Income is gross, before taxes, as most lenders measure it.
  • Debts are monthly payments, not balances.
  • Living costs such as utilities, phone and groceries are not debts here.
  • A lender may count some income or debts in a different way than you did.
How it works

Income on top, payments below

  1. Income before tax

    Gross monthly pay, plus a co-borrower's income and other regular income if they apply.

  2. Monthly payments

    Housing first, then car loans, student loans, card minimums, support you pay and anything else.

  3. Two ratios and a remainder

    Back-end and front-end DTI, residual income and the effect of each debt on the ratio.

The rule

What a lender has to consider

Under Regulation Z's ability-to-repay rule, a creditor must make a reasonable, good-faith determination that you can repay a residential mortgage. The list of things it must consider includes:

Income and assets

Your current or reasonably expected income or assets, other than the home securing the loan.

Payments and obligations

The payment on the new loan, any simultaneous loan, mortgage-related obligations, and your current debt obligations, alimony and child support.

DTI or residual income

Your monthly debt-to-income ratio or your monthly residual income. The rule does not prescribe a specific ratio.

Read the guide to the ability-to-repay rule →
About DTI

How is debt-to-income calculated?

The CFPB defines your debt-to-income ratio as all your monthly debt payments divided by your gross monthly income, which is generally what you earn before taxes and other deductions are taken out.

Two versions are common. The front-end ratio counts only housing: principal and interest, property tax, insurance and dues, or rent. The back-end ratio adds every other monthly debt payment. Regulation Z itself speaks of total monthly debt obligations against total monthly income.

What is residual income?

It is what remains of your monthly income after the monthly debt obligations. Regulation Z lets a creditor consider residual income instead of, or alongside, the DTI ratio.

Other words for the same thing

DTI calculator · debt-to-income ratio calculator · front-end and back-end ratio · debt ratio. Each one divides monthly debt by monthly income.

A person seen from behind at a kitchen table in an American home, sorting papers in window light.
Why Cindrus

Your ratio, without a verdict

No color-coded limit

Federal rules set no single DTI cutoff for all loans, so we do not paint your result green or red.

Nothing is sent

The figures stay on the page. No lender, broker or credit bureau sees them.

Each debt in view

The table shows how the ratio changes without each payment, so you can see which one weighs most.

What counts as a debt in DTI?

Recurring payments you owe: housing, auto loans, student loans, minimum card payments, personal loans and support you pay. Everyday living costs are left out.

What if I pay off my car loan before applying?

Use the table under the result. It shows your back-end ratio with each debt removed, so you can see how much one payment moves it.

Is one ratio a pass or fail?

No. DTI is one of several things a lender looks at, next to credit history, savings and the loan itself. This tool does not decide eligibility for any loan.

Why is my front-end ratio lower than my back-end ratio?

Because back-end includes the housing payment plus all other debts. The two are equal only when housing is your only debt.

Do I use gross or take-home pay?

Gross. Mortgage lenders usually measure DTI against income before taxes and deductions, so the calculator does the same.

Pricing

Calculating DTI is free.

With a free account, your loans and other debts sit in one Cindrus overview. The pricing page has the full list of plans and the features limited to Denmark.

Look at pricing →

See your ratio in a minute.

It is free and nothing leaves the page. An account is free too and needs no payment card at sign-up.

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