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.

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## 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:

- First, determine the total mortgage payments including PITI ($).
- The total mortgage payments including PITI ($) is given as: 3,000.

- Next, determine the total income ($).
- The total income ($) is provided as: 10,000.

- 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

Test your knowledge using the equation and check your answer with the calculator above.

FER = M / I * 100** = ?**