---
title: "Debt-to-Income Ratio (DTI) Calculator | MCC Solutions"
description: "Enter monthly income, housing payment and other debt payments to see your front-end and back-end debt-to-income ratio. Free and private."
url: "https://mcc-solutionsnj.com/bookkeeping/debt-to-income-ratio-calculator"
---

Free tool

# Debt-to-income ratio calculator

## Overview

See how much of your monthly gross income goes to debt payments. Enter your income, your housing payment and your other monthly debt payments.

[![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)

Want this tracked every month? Wrenfold keeps your budget on your own device. [See Wrenfold](/personal-finance)

Gross monthly income ($)

Monthly housing payment: rent or mortgage ($)

Other monthly debt payments: cards, car, student loans ($)

Excel workbook · $19

### Home Buying Cost and Affordability Planner

Put in your income, debts and savings, then compare homes on the real monthly cost and the cash you need on closing day.

[See what is inside ($19)](/toolkits/home-buying-cost-planner) [Free sample](/toolkits/home-buying-cost-planner#free-starter)14-day full refund

Share

## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

[See every calculator you can embed](/embed)

How it works

## How it works

**Back-end DTI** is all monthly debt payments divided by gross monthly income. **Front-end DTI** is just the housing payment divided by gross monthly income. Lenders use their own limits and their own list of what counts as debt.

FAQ

## About this calculator

**What is a good debt-to-income ratio?**

Lower is easier for a lender to approve. Each lender and loan type sets its own limits, so ask yours what it uses.

**What counts as debt?**

Usually required monthly payments on loans and cards, plus housing. Utilities, food and insurance are not normally counted. Lenders differ, so check theirs.

**Is gross or net income used?**

Gross, which means before taxes and deductions.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

**Is this tax or financial advice?**

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

Read the guide: [Debt-to-Income Ratio Explained, With an Example](/tools/guides/debt-to-income-ratio-explained). Related: [loan to value ratio calculator](/bookkeeping/loan-to-value-ratio-calculator), [mortgage payment calculator](/bookkeeping/mortgage-payment-calculator). See [all free tools](/free-tools). More free tools: [Prorated salary calculator](/bookkeeping/prorated-salary-calculator), [Cost per square foot calculator](/bookkeeping/cost-per-square-foot-calculator), [Project quote calculator](/bookkeeping/project-quote-calculator), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators.

Excel workbook

### Home Buying Cost and Affordability Planner

Put in your income, debts and savings, then compare homes on the real monthly cost and the cash you need on closing day.

[See what is inside ($19)](/toolkits/home-buying-cost-planner) [Try the free starter](/toolkits/home-buying-cost-planner#free-starter)

Also in the [Home and Big Purchase Bundle](/toolkits/home-and-big-purchase-bundle): 4 products for $55 instead of $76 separately.

Wrenfold

### Keep this going in a budget you own

Wrenfold keeps accounts, budgets, bills and goals on your own computer or iPhone, with budgets that roll over each month. Bring in a bank CSV or your You Need A Budget file, or keep balances current through SimpleFIN Bridge, a separate service you sign up for. $79 once, with an optional $5 a month for updates; the app keeps working if you stop. The free trial records up to 60 entries.

[See Wrenfold](/personal-finance) [Compare the three apps](/software)

## Want your books and numbers handled?

[Free health check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)