Front-End DTI Calculator

Enter your monthly housing payment and gross monthly income to calculate your front-end debt-to-income ratio.

Front-End DTI Calculator

Calculate the front-end DTI ratio — the share of gross income going toward housing costs alone.

This calculator provides an estimate for general informational purposes only. It is not a substitute for professional financial, mechanical or engineering advice.

Front-end DTI isolates housing costs as a share of gross income, separate from other debts, and is one of the two DTI figures mortgage lenders check when underwriting a loan.

Example

  • With the default values shown above, this calculator returns: Front-End DTI Ratio ≈ 30.00.

Frequently Asked Questions

What is the formula?

Front-End DTI % = Monthly Housing Payment ÷ Gross Monthly Income × 100.

How is this different from regular DTI?

Regular (back-end) DTI includes all debts — credit cards, car loans, student loans, plus housing. Front-end DTI looks at housing costs alone, which many mortgage lenders cap around 28%.

Related Calculators

Back-End DTI CalculatorCalculate the back-end DTI ratio — the share of gross income going toward all debts, including housing.Debt-to-Income Ratio CalculatorCalculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income.Home Affordability CalculatorEstimate the maximum home price you can afford based on your income, debts, down payment and a target debt-to-income ratio.
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