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Debt-to-Income Ratio worksheet

Grades 6–7

Solve each problem and show your work. Round answers to 2 decimal places where needed.

1.
Problem 1.
- Gross income (before tax): $6,000 per month
- Housing payment (monthly): $1,800
- Car loan or lease payments: $425
- Student loan payments: $170
- Credit card minimum payments: $80
Find: Debt-to-income ratio (back-end)
Answer
2.
Problem 2.
- Gross income (before tax): $4,500 per month
- Housing payment (monthly): $1,750
- Car loan or lease payments: $460
- Student loan payments: $250
- Credit card minimum payments: $85
Find: Debt-to-income ratio (back-end)
Answer
3.
Problem 3.
- Gross income (before tax): $5,000 per month
- Housing payment (monthly): $1,360
- Car loan or lease payments: $400
- Student loan payments: $225
- Credit card minimum payments: $140
Find: Debt-to-income ratio (back-end)
Answer
4.
Problem 4.
- Gross income (before tax): $7,500 per month
- Housing payment (monthly): $2,000
- Car loan or lease payments: $450
- Student loan payments: $270
- Credit card minimum payments: $76
Find: Debt-to-income ratio (back-end)
Answer
5.
Problem 5.
- Gross income (before tax): $7,000 per month
- Housing payment (monthly): $1,950
- Car loan or lease payments: $380
- Student loan payments: $220
- Credit card minimum payments: $65
Find: Debt-to-income ratio (back-end)
Answer
6.
Problem 6.
- Gross income (before tax): $6,000 per month
- Housing payment (monthly): $1,500
- Car loan or lease payments: $420
- Student loan payments: $200
- Credit card minimum payments: $90
Find: Debt-to-income ratio (back-end)
Answer
7.
Problem 7.
- Gross income (before tax): $7,400 per month
- Housing payment (monthly): $1,450
- Car loan or lease payments: $450
- Student loan payments: $220
- Credit card minimum payments: $70
Find: Debt-to-income ratio (back-end)
Answer
8.
Problem 8.
- Gross income (before tax): $6,400 per month
- Housing payment (monthly): $1,500
- Car loan or lease payments: $350
- Student loan payments: $240
- Credit card minimum payments: $100
Find: Debt-to-income ratio (back-end)
Answer
9.
Problem 9.
- Gross income (before tax): $5,000 per month
- Housing payment (monthly): $1,300
- Car loan or lease payments: $375
- Student loan payments: $225
- Credit card minimum payments: $75
Find: Debt-to-income ratio (back-end)
Answer
10.
Problem 10.
- Gross income (before tax): $5,500 per month
- Housing payment (monthly): $1,800
- Car loan or lease payments: $310
- Student loan payments: $240
- Credit card minimum payments: $116
Find: Debt-to-income ratio (back-end)
Answer

Answer key: Debt-to-Income Ratio worksheet

1. Debt-to-income ratio (back-end): 41.25%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,800.00 + $425.00 + $170.00 + $80.00$ $= $2,475.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,800.00}{$6,000.00} \times 100$ $= 30%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,475.00}{$6,000.00} \times 100$ $= 41.25%$
2. Debt-to-income ratio (back-end): 56.56%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,750.00 + $460.00 + $250.00 + $85.00$ $= $2,545.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,750.00}{$4,500.00} \times 100$ $= 38.8889%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,545.00}{$4,500.00} \times 100$ $= 56.5556%$
3. Debt-to-income ratio (back-end): 42.5%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,360.00 + $400.00 + $225.00 + $140.00$ $= $2,125.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,360.00}{$5,000.00} \times 100$ $= 27.2%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,125.00}{$5,000.00} \times 100$ $= 42.5%$
4. Debt-to-income ratio (back-end): 37.28%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$2,000.00 + $450.00 + $270.00 + $76.00$ $= $2,796.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$2,000.00}{$7,500.00} \times 100$ $= 26.6667%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,796.00}{$7,500.00} \times 100$ $= 37.28%$
5. Debt-to-income ratio (back-end): 37.36%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,950.00 + $380.00 + $220.00 + $65.00$ $= $2,615.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,950.00}{$7,000.00} \times 100$ $= 27.8571%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,615.00}{$7,000.00} \times 100$ $= 37.3571%$
6. Debt-to-income ratio (back-end): 36.83%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,500.00 + $420.00 + $200.00 + $90.00$ $= $2,210.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,500.00}{$6,000.00} \times 100$ $= 25%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,210.00}{$6,000.00} \times 100$ $= 36.8333%$
7. Debt-to-income ratio (back-end): 29.59%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,450.00 + $450.00 + $220.00 + $70.00$ $= $2,190.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,450.00}{$7,400.00} \times 100$ $= 19.5946%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,190.00}{$7,400.00} \times 100$ $= 29.5946%$
8. Debt-to-income ratio (back-end): 34.22%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,500.00 + $350.00 + $240.00 + $100.00$ $= $2,190.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,500.00}{$6,400.00} \times 100$ $= 23.4375%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,190.00}{$6,400.00} \times 100$ $= 34.2188%$
9. Debt-to-income ratio (back-end): 39.5%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,300.00 + $375.00 + $225.00 + $75.00$ $= $1,975.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,300.00}{$5,000.00} \times 100$ $= 26%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$1,975.00}{$5,000.00} \times 100$ $= 39.5%$
10. Debt-to-income ratio (back-end): 44.84%
1. Add up all your monthly debt payments (housing, car loans, student loans, credit cards)
  $$1,800.00 + $310.00 + $240.00 + $116.00$ $= $2,466.00$
2. Find the front-end ratio: divide your housing payment by your monthly income, then multiply by 100 to get a percent
  $\frac{$1,800.00}{$5,500.00} \times 100$ $= 32.7273%$
3. Find the back-end ratio the same way, using all your monthly debt payments
  $\frac{$2,466.00}{$5,500.00} \times 100$ $= 44.8364%$