Debt-to-income ratio calculator

How to use this tool

1. Enter your values or choose a local file. Replace the example data with your own.
2. Review options, units and assumptions, then run the tool.
3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Your front-end (housing) and back-end (all debts) debt-to-income ratios, the numbers lenders check first.

Worked example

Gross monthly income: 7,000
Rent or mortgage payment: 1,900
Car loan: 450
Student loans: 250
Credit card minimums: 120
Other debt payments: 0

→ Front-end ratio (housing): 27.14 %
→ Back-end ratio (all debts): 38.86 %
→ Assessment: Manageable (37–43%)
→ Debt payments at 36%: 2,520

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated: 2026-10-10