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Back-End Debt Ratio Calculator

Enter total monthly debt payments and gross monthly income to find the back-end DTI.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

The back-end debt ratio (also called the total debt-to-income or DTI ratio) measures the share of a borrower’s gross monthly income that goes toward all recurring debt obligations combined — mortgage or rent, car loans, student loans, credit card minimums, and any other installment or revolving debt — not just housing costs. It’s calculated as total monthly debt payments divided by gross monthly income, expressed as a percentage.

This is distinct from the front-end ratio, which looks only at housing costs; mortgage underwriters use the back-end ratio as the stricter test, since it captures a borrower’s full debt load. Conventional loans generally cap the back-end ratio around 36% to 43%, and government-backed programs like FHA loans allow somewhat higher ceilings, making this the number that most directly determines how much house a borrower can qualify to buy.

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