Free Debt-to-Income (DTI) Ratio Calculator - Check Your DTI for 2025

Our free debt-to-income ratio calculator for 2025 instantly calculates your DTI percentage to help you understand your loan qualification chances. Lenders use DTI ratios as a primary factor when evaluating mortgage applications, auto loans, personal loans, and credit cards. By comparing your total monthly debt payments to your gross monthly income, this calculator shows both your front-end ratio (housing costs only) and back-end ratio (all debts), helping you see exactly where you stand. Whether you're planning to buy a home, refinance, or simply want to assess your financial health, knowing your DTI ratio is essential for making informed borrowing decisions.