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DTI % = (Total monthly debt payments ÷ Gross monthly income) × 100
Front-end DTI = Housing costs only ÷ gross income × 100
Back-end DTI = All monthly debt payments ÷ gross income × 100
Worked example: Gross monthly income 4,500. Monthly payments: mortgage 1,200 + car finance 250 + personal loan 150 + credit card minimum 60 = 1,660 total. Back-end DTI = 1,660 ÷ 4,500 × 100 = 36.9%. Front-end DTI = 1,200 ÷ 4,500 × 100 = 26.7%.