Debt Credit Ratio Calculator
Debt to credit ratio calculator works out Debt-to-income ratio and Back-end ratio (all debt) from Total monthly debt payments, Gross monthly income and Monthly housing payment. The default figures on this page give back-end ratio (all debt) of 30.00 %; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
2 steps
- Back-end DTI = 100 x 300 / 1000 = 30%
- At a 43% target the ceiling is 430 per month.
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the debt to credit ratio calculator calculates
Computes the front-end and back-end debt-to-income ratios from monthly debt payments and gross monthly income, plus the Canadian GDS and TDS debt-service ratios and the revolving credit utilisation ratio.
How to use this debt to credit ratio calculator
Enter Total monthly debt payments, Gross monthly income, Monthly housing payment and Monthly property tax. Debt-to-income ratio updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Debt-to-income ratio, Back-end ratio (all debt) and Front-end ratio (housing).
The method follows Consumer Financial Protection Bureau - What is a debt-to-income ratio?, 12 CFR 1026.43(c)(7) (Regulation Z) - monthly debt-to-income ratio and CMHC - Debt service ratios (GDS and TDS).
Research R3093-GT-1: 300 of debt against 1,000 of income example
With Total monthly debt payments: 300, Gross monthly income: 1000, the calculator returns Debt-to-income ratio: 30, Back-end ratio (all debt): 30. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Debt-to-income ratio, Back-end ratio (all debt) and Front-end ratio (housing). The inputs you can vary are Total monthly debt payments, Gross monthly income, Monthly housing payment, Monthly property tax, Monthly heating cost and Monthly condominium fee.
Understanding Debt-to-income ratio, Back-end ratio (all debt) and Front-end ratio (housing)
Ratio arithmetic on the figures you enter. Which obligations count, how income is documented and what threshold applies are lender and programme decisions - only your lender can tell you whether you qualify.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How to calculate debt to credit ratio?
Computes the front-end and back-end debt-to-income ratios from monthly debt payments and gross monthly income, plus the Canadian GDS and TDS debt-service ratios and the revolving credit utilisation ratio. Open “How this is worked out” beside the result to see each step for your own figures.
Is 43 DTI too high?
Computes the front-end and back-end debt-to-income ratios from monthly debt payments and gross monthly income, plus the Canadian GDS and TDS debt-service ratios and the revolving credit utilisation ratio. On the figures this page opens with — total monthly debt payments 300 currency/month and gross monthly income 1,000 currency/month — the back-end ratio (all debt) is 30%. Put your own figures in their place and the working updates beside the result.
What profession has the worst debt-to-income ratio?
Computes the front-end and back-end debt-to-income ratios from monthly debt payments and gross monthly income, plus the Canadian GDS and TDS debt-service ratios and the revolving credit utilisation ratio. On this page it is computed from Total monthly debt payments, Gross monthly income and Monthly housing payment and shown as Debt-to-income ratio, Back-end ratio (all debt) and Front-end ratio (housing).
What information do I need for the debt to credit ratio calculator?
You need Total monthly debt payments, Gross monthly income, Monthly housing payment, Monthly property tax, Monthly heating cost, Monthly condominium fee, Revolving balance and Total credit limit. The page opens with default figures that give back-end ratio (all debt) of 30.00 %, so you can see the scale before entering your own.
What does this debt to credit ratio calculator show?
It shows Debt-to-income ratio, Back-end ratio (all debt), Front-end ratio (housing), Gross debt service (GDS), Total debt service (TDS), Credit utilisation, Income left after debt and Debt payment at the target ratio, with the working and any warnings for your entries.
Can I check how the debt to credit ratio calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.