Free tool

Debt-to-Income Calculator

The two ratios lenders check before they check anything else.

Your numbers

Gross monthly income$Monthly housing payment$Other monthly debt payments$

Front-end is housing only. Back-end adds car loans, student loans, credit card minimums — every required monthly payment. Use gross (pre-tax) income.

Front-end DTI

25.7%

Back-end DTI

32.1%

Healthy — comfortably within the 28/36 rule most lenders use.

Under 36% — healthy 36–43% — caution Over 43% — stretched

Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.