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28/36 Rule Calculator

28/36 Rule Calculator to calculate whether you spend too much on housing expenses, mortgage payments, and other debt based on your annual income. The 28/36 mortgage rule states that you should not spend more than 28% of your monthly income on housing, and 36% on total debt.

Mortgage 28/36 Rule Calculator

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Housing Expenses $
Other Debt $
Total Debt
Front End Ratio
Back End Ratio


What Is the 28/36 Rule?

The 28/36 rule is a rule to help homebuyers and homeowners to evaluate whether they are spending too much money on housing and other debt. The 28/36 consists of two ratios, the front-end ratio of 28% and the back-end ratio of 36%. The 28/36 mortgage rule calculates the front-end ratio as a ratio between your monthly income and housing costs which includes mortgage payments such as principal, interest, taxes, and insurance. The front-end ratio should not exceed 28%. The backend ratio is a ratio between your monthly income and total debt which includes other debts that you may have on top of housing expenses. The backend ratio should not exceed 36%.


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