Debt-to-Income Calculator
This debt-to-income calculator allows you to switch between calculating the back-end ratio and the front-end ratio to understand your financial health.
Back-EndFront-End
Include co-borrower's salary
Your total annual earnings before taxes, for you and your co-borrower. Annual income includes your base salary and any additional commissions, bonuses, tips, and investment income.
The lowest amount of money that you are required to pay on your credit card each month, as appears on your monthly statement. Do not include credit card balances that you pay off in full each month.
The total amount you pay each month on any car loans. Enter $0 if you do not have a car loan or have paid or plan to pay the loan balance off in full before applying for a mortgage.
The total amount you pay each month on student loans. Enter $0 if you do not have a student loan or have paid or plan to pay the loan balance off in full before applying for a mortgage.
Debt-to-Income Ratio
Include co-borrower's salary
Your total annual earnings before taxes, for you and your co-borrower. Annual income includes your base salary and any additional commissions, bonuses, tips, and investment income.
Your total monthly housing expenses, including mortgage payments, property taxes, homeowner's insurance, and HOA dues.