Debt-to-income (DTI) calculator
Calculate your debt-to-income (DTI) ratio from your monthly debts and gross income, and see how lenders in Australia read it. It gives your front-end (housing) and back-end (all debt) ratios and your headroom before key thresholds. Free, instant, no signup.
Back-end DTI · Manageable
38.3%
Within the 43% Qualified-Mortgage limit, but lenders prefer 36% or less.
How this estimate is calculated
Front-end DTI is your monthly housing payment divided by gross monthly income; back-end DTI adds all other monthly debt. We express both as percentages. Lower is better — lenders generally prefer a back-end ratio under about 36%, and many cap it around 43%.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- Reserve Bank of Australia — lending rates (Statistical Table F5) (as of 2026-02-28)
- Written by
- Colson — Founder & consumer-finance researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 14, 2026
- Standards
- Editorial policy
These results are educational estimates based on the figures you enter and standard financial math, not financial advice or an offer of credit. Your actual rate, payment and terms depend on your credit, lender and other factors. Verify any number with the lender before you act.
Frequently asked questions
What is a good debt-to-income ratio?
Lenders generally prefer a back-end DTI of 36% or less; many cap it around 43%. Below 36% gives you the widest borrowing options and best rates.
Does DTI affect my credit score?
Not directly — your score doesn't include income. But high DTI makes lenders less likely to approve you, and the high credit utilization that often drives it does affect your score.