Calculator
Debt-to-Income (DTI) Calculator
Calculate front-end and back-end DTI ratios with lender-style affordability thresholds.
Calculator workspace
Model lender-style front-end/back-end DTI and affordability headroom in one view.
Workspace session
Each calculator workspace session is saved locally and linked to this calculator route.
Reusable finance profile
Balanced debt and savings assumptions for one income household.
Display currency
Currency list source: local-fallback. Loaded 162 options.
Values stay the same, but all money outputs are shown in USD for your region.
Goal tracker
Set one measurable target to keep this calculator outcome on track.
Scenario vault
No saved scenarios yet. Save your current setup to build your comparison vault.
Smart action plan
- You still have about $15.00 monthly debt capacity under your target ratio.
- Keep total housing + debt fixed even if income rises, and direct the difference to reserves.
Insights
- Front-end DTI: 32.47%. Back-end DTI: 42.82% (Manageable).
- At target 43% back-end DTI, you have $15.00 monthly debt capacity remaining.
- Current housing costs are $125.00 above target affordability.
Funnel navigation
- Convert to home budget: Use DTI results to build a workable housing payment scenario.
- Estimate new-loan EMI: Simulate additional debt before taking a loan offer.
- Reduce DTI faster: Plan a card-payoff strategy to improve your back-end DTI.
DTI affordability scenarios
| Scenario | Limits (Front/Back) | Max Housing Payment | Max Total Debt | Headroom vs Current Housing | Constraint |
|---|---|---|---|---|---|
| Conservative | 25% / 35% | $2,095.00 | $2,975.00 | -$665.00 | Back-end |
| Standard | 28% / 36% | $2,180.00 | $3,060.00 | -$580.00 | Back-end |
| Flexible | 31% / 43% | $2,635.00 | $3,655.00 | -$125.00 | Front-end |
| Aggressive | 33% / 50% | $2,805.00 | $4,250.00 | +$45.00 | Front-end |
How this tool helps
Estimate debt-to-income ratio using housing and monthly debt obligations, then compare against common underwriting limits.
Utiliora tools are designed to work directly in modern browsers with clear input labels, mobile-friendly controls, and accessible result panels. Use related utilities below to continue your workflow without switching apps.
FAQ
Is Debt-to-Income (DTI) Calculator free to use?
Debt-to-Income (DTI) Calculator is available for free and works directly in your browser.
Does Debt-to-Income (DTI) Calculator store my input data?
Inputs are processed client-side whenever possible. Server-side checks are only used for network diagnostics and are not stored.
Can I use Debt-to-Income (DTI) Calculator on mobile?
Yes. The interface is responsive and optimized for phones, tablets, and desktop devices.