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

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

FER = M / I * 100 = ?