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Front-End Debt Ratio Calculator

Enter your monthly housing cost and gross monthly income to get the front-end ratio.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

The front-end debt-to-income ratio (also called the housing ratio) measures only housing costs — principal, interest, taxes and insurance (PITI) — against income: monthly housing cost ÷ gross monthly income. It's distinct from the back-end ratio, which adds in all other debt payments (car loans, credit cards, student loans).

Mortgage lenders typically look for a front-end ratio at or below 28%, using it alongside the back-end ratio (often capped around 36–43%) as a core underwriting check. Borrowers use it to gauge how much home they can realistically afford before applying.

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