Debt-to-Income Ratio Calculator
Tixraac DTI-gaaga – qaybta dakhliga ee u socda lacagaha deynta.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Maxaa ah qiyaasta deymaha-iyo-dhimista wanaagsan?
Ka hooseeya 36% guud ahaan waxaa loo arkaa sida caafimaad qaba, oo leh 43% badanaa xadka ugu sarreeya ee guriga ku habboon. Ka sarreeya in, deyn bixiyayaasha waxay hoos u dhici kartaa ama ku xadgudbaan in ka badan. DTI = deynta bil kasta oo dhan ÷ mushaharka bil kasta oo guud × 100.
DTI ma waxay isticmaali kartaa dakhliga guud ama dakhliga guud?
Lacagta la siiyo waxay isticmaalaan (qaar ka hor-tax) celcelis ahaan mushaharka bishan ee DTI. Taasi waxay ka dhigtaa in qiyaasta u muuqato ka hooseeya sida ay ka hor qaado-guriga mushaharka, sidaas daraaddeed miisaaniyadda la figure net aad maskaxda ku hayso.
Waa maxay farqiga u dhexeeya front-end iyo back-end DTI?
Front-end DTI kaliya tirada aad guriga lacag ka dhan ah dakhliga, halka back-end DTI tirada dhammaan deynta oo ay ku jiraan guryaha. Laanqeyrta cad waxaa caadi ahaan ka badan oo ku saabsan sawirka back-end; tilmaam guud waa front-end hoos 28% iyo back-end hoos 36%.
Waa maxay deynta u dhiganta DTI?
Waajibaadka bishan soo noqnoqda: guri ama kirada, deynta gaariga, deynta ardayda, ugu yaraan credit-card bixitaanka, deynta shakhsiga ah iyo taageero carruurta ama alimony. Bills maalin kasta sida adeegyada, cunto iyo caymiska guud ahaan ma la xisaabtamo.
Sidee baan u yareyn karaa heerka DTI-ga?
ama kordhinta dakhliga ama goynta deynta bishan. Bixinta off deyn yar, ka fogaansho deyn cusub, ama dib u maalgashiga si ay lacag ka yar oo dhan hoos u dhigi tirada, halka kor u qaadista ama la kordhiyay dakhliga kordhiya tirada - labadaba u dhaqdhaqaaqaan qiyaasta hoos.
Ma heli karaa deyn lacagta guriga ah oo leh DTI sare?
Mararka qaarkood. qaar badan oo deyn bixiyayaasha cap ku habboon guriga ku dhow 43%, laakiin barnaamijyada qaar ka sii sarreeya oo la siiyo credit xoog leh, kayd ama lacag weyn hoos. DTI hooseeya guud ahaan macnaheedu waa oggolaanshaha fudud iyo heerarka wanaagsan.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.