Finance

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Calculatrice: Debt-to-Income.

Utilisez Calculatrice: Debt-to-Income pour obtenir un résultat clair et pratique à partir de vos données.

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Set your values

Results update as you type.

Front-end DTI: 25.00%

Front-end DTI

25.00%
Back-end DTI: 40.00%

Back-end DTI

40.00%
Descriptive band: Fair

Descriptive band

Fair

How to Use

DTI is descriptive planning context only and does not predict lender approval. Use the same currency and monthly basis for every amount.

FAQs

What is a good debt-to-income ratio?

In many lending contexts, under 36% back-end DTI is considered strong, while 43% is often an upper limit for conventional qualification.

What is the difference between front-end and back-end DTI?

Front-end DTI compares housing costs to gross income. Back-end DTI includes housing plus all recurring debt obligations.

Cite this calculator

Canonical URL: https://mathify.one/fr/finance/debt-to-income

Cite as: Mathify. (2026). Calculatrice: Debt-to-Income. https://mathify.one/fr/finance/debt-to-income

Use Cases

Mortgage Pre-Approval Assessment

Determine if your current debt levels are within typical lender guidelines before applying for a mortgage.

Example: Check if your back-end DTI is below 43% to qualify for a conventional loan.

Personal Budget Planning

Evaluate how much of your income goes to debt to identify areas for improvement or savings.

Example: See if reducing credit card payments can lower your back-end DTI.

Frequently Asked Questions

What is the difference between front-end and back-end DTI ratios?
Front-end DTI is the percentage of your monthly gross income that goes toward housing costs, such as mortgage or rent. Back-end DTI includes all recurring debt payments, like credit cards, auto loans, and student loans, in addition to housing. Lenders use both to assess your financial health.
How do I calculate my debt-to-income ratio?
Divide your total monthly debt payments by your monthly gross income, then multiply by 100 to get a percentage. For front-end, use only housing costs; for back-end, include all recurring obligations. This calculator does that for you.
What is a good debt-to-income ratio?
Generally, a back-end DTI of 36% or less is considered good, with 43% being the maximum for most qualified mortgages. Front-end ratios should ideally be below 28%. Lower ratios indicate better financial stability.

Tips & Common Mistakes

Tips

  • Use your monthly gross income (before taxes) for accurate results.
  • Include all recurring obligations, such as rent, mortgage, car loans, student loans, and minimum credit card payments.
  • Re-calculate your DTI after any major financial change, like a raise or new debt.
  • Compare your front-end and back-end ratios to understand your housing cost burden.

Common Mistakes to Avoid

  • Using net income instead of gross income, which understates your DTI.
  • Forgetting to include all recurring debts, like personal loans or alimony.
  • Not updating your DTI when your income or debts change.

Last updated: August 13, 2026