Enter the total mortgage payments, including PITI ($) and the total income ($) into the Front-End Ratio Calculator. The calculator will evaluate and display the Front-End Ratio.

## Front-End Ratio Formula

The following formula is used to calculate the Front-End Ratio.

FER = M / I * 100
• Where FER is the Front-End Ratio (%)
• M is the total mortgage payments including PITI ($) • I is the total income ($)

To calculate the front-end ratio, divide the mortgage payments by the total income, then multiply by 100 to express the result as a percent.

## How to Calculate Front-End Ratio?

The following example problems outline how to calculate Front-End Ratio.

Example Problem #1:

1. First, determine the total mortgage payments including PITI ($). • The total mortgage payments including PITI ($) is given as: 3,000.
2. Next, determine the total income ($). • The total income ($) is provided as: 10,000.
3. Finally, calculate the Front-End Ratio using the equation above:

FER = M / I * 100

The values given above are inserted into the equation below and the solution is calculated:

FER = 3,000 / 10,000 * 100 = 30.00 (%)

Example Problem #2:

For this problem, the variables required are provided below:

total mortgage payments including PITI ($) = 6,000 total income ($) = 12,000