How it works
Use gross monthly income before deductions. Add the housing payment you want evaluated to recurring monthly debt obligations such as auto loans and minimum credit card payments. This yields a back-end debt-to-income ratio.
Worked example
Show example inputs and result
Gross monthly income: 7,000 · Monthly housing obligation: 1,800 · Other monthly debt payments: 500.
- Debt-to-income ratio
- 32.86 %
- Housing-to-income ratio
- 25.71 %
- Total monthly debt payments
- $2,300.00
Questions and answers
Does a particular ratio guarantee approval?
No. Lenders evaluate credit, assets, loan type and other conditions. A threshold alone does not establish eligibility, and different programs use different rules.
Why are some results rounded?
Results display up to 8 decimal places. Calculations use the unrounded values; very small values use scientific notation. JavaScript floating-point arithmetic can introduce tiny rounding differences.
Are my inputs sent to a server?
The calculator processes inputs in your browser. Its code does not send your values to a server.
Method reviewed: October 8, 2026 · Methods & accuracy