Calculated estimate
Enter assumptions and select Calculate.
Housing and total DTI formulas
Housing ratio = monthly housing payment ÷ gross monthly income. Total DTI = housing plus other recurring monthly debts, divided by gross monthly income.
No approval classification
This calculator reports ratios from your entered values. It does not apply 36%, 43%, 50%, or any other approval threshold, retrieve credit, connect accounts, or interpret lender rules.
Worked example
With 8,000 gross monthly income, 2,000 housing, and 1,000 other monthly debt, the housing ratio is 25% and total DTI is 37.5%.
Calculation boundaries
Results use only your entered assumptions. No lender, credit, annuity-product, insurer, vehicle-price, dealer, property-value, rent-market, or geolocation API is contacted.