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How to Calculate Debt-to-Income

Calculate your front-end and back-end DTI ratios and compare them with conventional, FHA, and VA guidelines.

The Formula

totalMonthlyDebts / grossMonthlyIncome * 100

The debt-to-income formula uses the mathematical relationship: totalMonthlyDebts / grossMonthlyIncome * 100. Each variable in the formula represents a measurable quantity that affects the final result.

Step-by-Step Method

  1. 1Identify all input values needed for the debt-to-income calculation.
  2. 2Substitute your known values into the formula: totalMonthlyDebts / grossMonthlyIncome * 100.
  3. 3Perform the arithmetic operations in the correct order (PEMDAS/BODMAS).
  4. 4Check that your result has the correct units and is within a reasonable range.
  5. 5Verify using the interactive Debt-to-Income Calculator to confirm your answer.

Related Topics

DTIdebt to incomefront-end ratioback-end ratiomortgage qualification

Use the Interactive Calculator

Skip the manual math — get instant results with our free Debt-to-Income calculator.

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