United States · USD · Core Mortgage Tools

Debt-to-Income Calculator

Published by REO Technologies · Publisher contact: Abdul Raheem. Explanation and example arithmetic revised 2026-10-26; source-specific dates are stated separately. No licensed financial review is claimed.

Compare housing and total debt payments with your modeled qualifying monthly income.

Enter current figures from your documents and quotes. Budget settings are editable. Inputs stay in this tab and are not saved or sent by the calculator.

Your inputs

Gross monthly income ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Co-borrower gross monthly income ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Other gross monthly income ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Share of other income counted (%)Confirm the share of other income your lender accepts. Planning setting; change to match your situation.

Monthly principal & interest ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Monthly property tax ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Monthly homeowner insurance ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Monthly PMI ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Monthly HOA dues ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

Other monthly debt payments ($)Enter your current figure or quote; zero explicitly excludes this cost where allowed.

How this estimate works

Qualifying income = primary + co-borrower + other income × entered share. Front-end DTI = housing ÷ income; back-end DTI = (housing + other debts) ÷ income.

Assumptions and limits

Enter gross income before deductions. Enter recurring debt minimums rather than everyday living expenses.
A 28% housing or 36% total ratio is a budgeting convention, not a universal underwriting ceiling. Programs, income documentation and lender rules differ.

References and further reading

Worked United States example: Debt-to-Income Calculator

This is a hypothetical arithmetic example in USD, not a current lender quote, market observation or borrower record. The same calculator model produces the figures below. Its input assumptions are shown so that you can reproduce or change the scenario.

Assumed input	Illustration value
Gross monthly income ($)	8,500
Co-borrower gross monthly income ($)	0
Other gross monthly income ($)	0
Share of other income counted (%)	75
Monthly principal & interest ($)	2,195
Monthly property tax ($)	375
Monthly homeowner insurance ($)	150
Monthly PMI ($)	0
Monthly HOA dues ($)	0
Other monthly debt payments ($)	500

Calculated measure	Result
Modeled gross monthly income	$8,500.00
Monthly housing obligations	$2,720.00
Other monthly debt payments	$500.00
Front-end housing ratio	32%
Back-end debt-to-income ratio	37.882353%

Amounts use unrounded intermediate arithmetic and are rounded only for display. Selecting different costs, rates, payment dates or terms changes the result; no illustration value is prefilled into your personal financial fields.