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Income Tax Calculator
Estimate your 2026 US federal income tax, effective rate and marginal bracket from your income and filing status.
Debt-to-Income Calculator
Calculate your debt-to-income ratio (front-end and back-end) the way mortgage lenders do.
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How to use this calculator
Enter your values. The result updates as you type; press Calculate to confirm and jump to the result on mobile. Use Share to send the calculator with your result.
Formula
back-end DTI = total monthly debt payments ÷ gross monthly income
front-end DTI = housing payment ÷ gross monthly income
Include minimum required payments on loans and cards, child support or alimony you pay, and the full housing payment. Don’t include utilities, groceries or insurance not tied to a loan. Example: $2,970 of debts on $7,500 income = 39.6%.
Frequently asked questions
What is a good DTI ratio?
36% or less is commonly considered healthy; many mortgage lenders accept up to about 43–50%.
About this tool
- Written by
- [Author: to be assigned]
- Reviewed by
- Expert review pending
- Last updated
- 31 Oct 2026
See our methodology and editorial policy. Think something’s off? Report an error with this tool.
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