Debt-to-Income Ratio Calculator
Saka, tarisa kuti ndeipi chikamu chemari yako chaungashandisa kubhadharisa zvikwereti zvako.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes to debt payments. Lenders lean on it heavily to judge how much more you can safely borrow. This calculator adds your housing payment and other monthly debts, divides by income, and shows the ratio, a plain-language rating, and how much monthly debt room you have left to a target.
The formula is total monthly debt ÷ gross monthly income × 100. For example, 1,500 of housing plus 500 of other debts on 5,000 of monthly income is 2,000 ÷ 5,000 = 40% — above the 36% many lenders prefer, so it would be flagged as manageable rather than healthy. Against a 36% target, this borrower is about 200 a month over the line.
Use it to see where you stand before applying for a mortgage or loan, to work out how much debt payment you can add and stay under a target, or to track progress as you pay debt down. Because DTI uses gross income, budget with your lower take-home pay in mind too.
Zvimwe zvinobvunzwa zvakanyanya
Chii chinonzi debt-to-income ratio?
Below 36% is generally seen as healthy, with 43% often the ceiling for a qualified mortgage. Above that, lenders may decline or charge more. DTI = total monthly debt ÷ gross monthly income × 100.
DTI inoshandisa mari yemubhadharo kana kuti net income?
Vachitengesa mari vanoshandisa mari yemwedzi (yekugara) yeDTI. Izvi zvinoita kuti mari iite seyakaderera kupfuura mari yaungawana paunotenga zvinhu, saka funga nezvemari yacho.
Chii chinonzi chiyero pakati pefront-end uye back-end DTI?
Front-end DTI inobata chete mari yaungabhadhara pamusha wako, asi back-end DTI inobata mari dzese dziri mumhuri yako, kusanganisira mari yemumba. Vachikweretesa vanotarisana nenyaya yekuti mari idzi dziri sei pamusha wako. Mutemo unoti mari idzi dziri pasi pe28% uye 36%.
Ndezvipi zvikwereti zvinobviswa kubva kuDTI?
Zvikwereti zvinodzokerazve: mari yemutero kana mari yechikwereti, mari yechikwereti chemotokari, mari yechikwereti chevana, mari yechikwereti chekadhi rechikwereti, mari yechikwereti chemunhu, mari yechikwereti chevana kana mari yechikwereti chemwana.
Ndinogona sei kuderedza DTI ratio yangu?
Kubhadhara mari yakati rebei, kubvisa mari yakati rebei, kana kubhadharisa mari yakati rebei nemari yakati rebei, zvese izvi zvinoderedza nhamba, asi kukwira kwemari kana kuwedzera kwemari kunowedzera nhamba—zviviri izvi zvinodzikisira huwandu hwemari.
Ndinogona here kuwana mari yekudyara neDTI yakakwira?
Vazhinji vatengesi vemari vanopa mari yemari yemari yakaenzana ne43%, asi dzimwe nyanzvi dzinoti zvikwereti zvinoda mari inopfuura iyi kana zvave nemari yakawanda, zvikwereti zvinoda mari inopfuura iyi kana zvave nemari inopfuura iyi.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
GET https://calculator.free/api/v1/debt-to-income/curl
curl "https://calculator.free/api/v1/debt-to-income/?income=5000&housing=1500&other=500"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/debt-to-income/?" + new URLSearchParams({
"income": "5000",
"housing": "1500",
"other": "500"
}));
const data = await r.json();
console.log(data.results);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.