#dti-calc-wrapper .calc-box {
background: #f9f9f9;
border: 1px solid #e1e1e1;
border-radius: 8px;
padding: 30px;
margin-bottom: 40px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
#dti-calc-wrapper .row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
#dti-calc-wrapper .col {
flex: 1;
min-width: 250px;
padding: 0 10px;
margin-bottom: 15px;
}
#dti-calc-wrapper label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
#dti-calc-wrapper input[type="number"] {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
#dti-calc-wrapper .section-title {
font-size: 18px;
font-weight: bold;
margin-bottom: 15px;
color: #2c3e50;
border-bottom: 2px solid #3498db;
padding-bottom: 5px;
display: inline-block;
}
#dti-calc-wrapper button {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
width: 100%;
margin-top: 10px;
transition: background 0.3s;
}
#dti-calc-wrapper button:hover {
background-color: #219150;
}
#dti-calc-wrapper .results-area {
background-color: #fff;
border: 1px solid #ddd;
border-radius: 4px;
padding: 20px;
margin-top: 25px;
display: none;
}
#dti-calc-wrapper .result-row {
display: flex;
justify-content: space-between;
align-items: center;
padding: 10px 0;
border-bottom: 1px solid #eee;
}
#dti-calc-wrapper .result-row:last-child {
border-bottom: none;
}
#dti-calc-wrapper .result-label {
font-size: 16px;
color: #555;
}
#dti-calc-wrapper .result-value {
font-size: 20px;
font-weight: bold;
color: #2c3e50;
}
#dti-calc-wrapper .status-box {
margin-top: 15px;
padding: 15px;
border-radius: 4px;
text-align: center;
font-weight: bold;
}
#dti-calc-wrapper .status-good { background-color: #d4edda; color: #155724; }
#dti-calc-wrapper .status-warning { background-color: #fff3cd; color: #856404; }
#dti-calc-wrapper .status-bad { background-color: #f8d7da; color: #721c24; }
#dti-calc-wrapper .content-area h2 { margin-top: 0; color: #333; }
#dti-calc-wrapper .content-area h3 { color: #444; margin-top: 25px; }
#dti-calc-wrapper .content-area p { line-height: 1.6; margin-bottom: 15px; }
#dti-calc-wrapper .content-area ul { margin-bottom: 20px; line-height: 1.6; }
#dti-calc-wrapper .content-area li { margin-bottom: 8px; }
function calculateDTI() {
// 1. Get Values
var grossIncome = parseFloat(document.getElementById("dtiGrossIncome").value) || 0;
var otherIncome = parseFloat(document.getElementById("dtiOtherIncome").value) || 0;
var rentMortgage = parseFloat(document.getElementById("dtiRentMortgage").value) || 0;
var hoaInsurance = parseFloat(document.getElementById("dtiHoaInsurance").value) || 0;
var carLoan = parseFloat(document.getElementById("dtiCarLoan").value) || 0;
var creditCards = parseFloat(document.getElementById("dtiCreditCards").value) || 0;
var studentLoans = parseFloat(document.getElementById("dtiStudentLoans").value) || 0;
var otherDebts = parseFloat(document.getElementById("dtiOtherDebts").value) || 0;
// 2. Logic Check
var totalIncome = grossIncome + otherIncome;
if (totalIncome <= 0) {
alert("Please enter a valid Gross Monthly Income greater than zero.");
return;
}
// 3. Calculations
var housingExpenses = rentMortgage + hoaInsurance;
var otherDebtTotal = carLoan + creditCards + studentLoans + otherDebts;
var totalDebt = housingExpenses + otherDebtTotal;
var disposableIncome = totalIncome – totalDebt;
var frontEndRatio = (housingExpenses / totalIncome) * 100;
var backEndRatio = (totalDebt / totalIncome) * 100;
// 4. Update DOM
document.getElementById("frontEndResult").innerHTML = frontEndRatio.toFixed(2) + "%";
document.getElementById("backEndResult").innerHTML = backEndRatio.toFixed(2) + "%";
document.getElementById("totalDebtResult").innerHTML = "$" + totalDebt.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("disposableIncomeResult").innerHTML = "$" + disposableIncome.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
// 5. Status Message Logic
var messageBox = document.getElementById("dtiMessage");
var messageText = "";
var messageClass = "";
if (backEndRatio <= 35) {
messageText = "Great! Your DTI is in the healthy range (under 36%).";
messageClass = "status-good";
} else if (backEndRatio <= 43) {
messageText = "Caution. Your DTI is acceptable but getting high (36% – 43%).";
messageClass = "status-warning";
} else {
messageText = "Warning. Your DTI is very high (over 43%). Lenders may view this as risky.";
messageClass = "status-bad";
}
// Reset classes
messageBox.className = "status-box " + messageClass;
messageBox.innerHTML = messageText;
// Show results
document.getElementById("dtiResults").style.display = "block";
}
Debt-to-Income (DTI) Calculator
1. Monthly Income
2. Housing Expenses
3. Other Monthly Debts
Front-End Ratio (Housing):
0%
Back-End Ratio (Total Debt):
0%
Total Monthly Debt:
$0
Disposable Income:
$0
Understanding Your Debt-to-Income (DTI) Ratio
Your Debt-to-Income (DTI) ratio is one of the most critical metrics lenders use to assess your ability to manage monthly payments and repay debts. It compares your total monthly debt payments to your gross monthly income.
Front-End vs. Back-End Ratio
There are two types of DTI ratios that lenders look at:
- Front-End Ratio: This strictly looks at your housing-related expenses (rent/mortgage, HOA fees, property tax, insurance) divided by your gross income. Most lenders prefer this to be under 28%.
- Back-End Ratio: This includes housing expenses plus all other recurring debt (credit cards, student loans, car payments, alimony). This is the "true" DTI figure most people refer to. Lenders typically look for a number below 36%, though some loan programs allow up to 43% or even 50%.
What is a Good DTI Ratio?
Keeping your DTI low indicates to lenders that you are not over-leveraged. Here is a general breakdown:
- 0% – 35%: Excellent. You have manageable debt relative to your income. Lenders view you as a safe borrower.
- 36% – 49%: Average to High. You may qualify for loans, but you might face higher interest rates or stricter requirements. You should work on paying down debt.
- 50% or higher: Critical. With half your income going to debt, you have limited financial flexibility. Many lenders will decline mortgage applications at this level.
How to Lower Your DTI
If your calculation shows a high percentage, consider these strategies: pay off high-interest credit cards to eliminate monthly minimums, refinance loans to lower monthly payments, or look for ways to increase your gross income through side hustles or salary negotiations.