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Mortgage & Home Loans · Essentials & Buying a Home

Debt-to-Income Calculator

Work out your front-end and back-end DTI ratios — the numbers lenders check first.

  • Free to use here · embed on the Free plan
  • 3 inputs · 4 results
  • English & Spanish

Try the Debt-to-Income Calculator

Enter your income and debts — your DTI updates as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Debt-to-Income calculator works out

The Debt-to-Income Calculator is a free, embeddable calculator from CalcFunnel. Work out your front-end and back-end DTI ratios — the numbers lenders check first.

You enter 3 inputs: gross monthly income, monthly housing payment and other monthly debt payments.

It returns back-end DTI, front-end DTI (Housing), total monthly debt and lending assessment.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Back-End DTI
  2. 02Front-End DTI (Housing)
  3. 03Total Monthly Debt
  4. 04Lending Assessment

The first figure — back-end dti — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income

Gross Monthly Income
Your total monthly income before taxes and deductions — lenders use gross income, not take-home pay, when calculating DTI.

Monthly Debt Payments

Monthly Housing Payment
Your total monthly housing cost including mortgage principal, interest, taxes, insurance, and any HOA fees — this determines your front-end DTI ratio.
Other Monthly Debt Payments
All other recurring minimum debt payments such as car loans, student loans, and credit card minimums — combined with housing for your back-end DTI.

For your website

Embed this calculator on your website

Put the Debt-to-Income Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Debt-to-Income calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Debt-to-Income Calculator calculate?
Work out your front-end and back-end DTI ratios — the numbers lenders check first. It returns back-end DTI, front-end DTI (Housing), total monthly debt and lending assessment.
Q.02What information do I need to use the Debt-to-Income Calculator?
You enter 3 inputs: gross monthly income, monthly housing payment and other monthly debt payments. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Gross Monthly Income” mean in the Debt-to-Income Calculator?
Your total monthly income before taxes and deductions — lenders use gross income, not take-home pay, when calculating DTI.
Q.04What does “Monthly Housing Payment” mean in the Debt-to-Income Calculator?
Your total monthly housing cost including mortgage principal, interest, taxes, insurance, and any HOA fees — this determines your front-end DTI ratio.
Q.05Is the Debt-to-Income Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Debt-to-Income Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Debt-to-Income Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Debt-to-Income results financial advice?
No. Estimates only. Lenders calculate DTI using verified income and the debts on your credit report, and program limits vary. Confirm your ratios with a licensed lender.

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The Debt-to-Income Calculator is one of 188 calculators you can brand and embed with one line of code.

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