Loan Qualification Calculator
See if this payment actually fits before you apply.
Check your debt-to-income ratio, see how a new payment changes it, and estimate how much income you may need before you take the next step. Lenders commonly use DTI when judging repayment ability.
No signup required
Runs in your browser
Common lender DTI math
Clear about what counts
Plain-English guidance
Step 1 of 6
What kind of borrowing decision are you making?
Your results will appear here
Add your income and at least one monthly debt to see your DTI.
How this calculator works
1. Enter your numbers
Type your gross monthly income and the minimum debt payments lenders see on your credit report.
2. We do the math
DTI = total required monthly debt ÷ gross monthly income × 100. We show both front-end (housing) and back-end (everything).
3. See your range
Get a plain-English read on whether your DTI is healthy, workable, or stretched — plus what to fix first.
Guidance only — approval also depends on credit, savings, employment, and lender-specific rules.