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Khangela umlinganiselo wakho we-DTI – inxalenye yokufumana okuya kwimali-mboleko yetyala.
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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.
Imibuzo ebuza rhoqo
Yintoni uthelekiso olulungileyo lwemali efunekayo nokufumanayo?
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.
Ingaba iDTI isebenzisa iindleko ezipheleleyo okanye iindleko ezipheleleyo?
Abanikeli bemali basebenzisa iindleko ezipheleleyo (ezingaphambili kwetyala) zemali yonyaka ye-DTI. Oku kwenza ukuba uthelekiso lubonakale luphantsi kunemali ethathwa endlwini, ngoko ke ubeke i-budget yakho
Yintoni utshintsho phakathi kwe-DTI ephambili ne-DTI ecaleni?
I-DTI ephambili ibala kuphela iindleko zakho zokuhlala kuxhomekeke kwingeniso, ngelixa i-DTI ecaleni ibala yonke ityala lakho kubandakanywa nendlu. Abanikeli bahlala bekhathalela kakhulu ubungakanani be-back-end; umyalelo oqhelekileyo kukuba i-front-end ingaphantsi kwe-28% ne-back-end ingaphantsi kwe-36%.
Yintoni iindleko ezilinganisa kwi-DTI?
Iimali eziphindaphindwayo zonyaka: i-mortgage okanye irenti, iiasethi zemoto, iiasethi zomfundi, iindleko ezincinci zekhadi letyala, iiasethi zobuqu kunye noncedo losapho okanye uncedo losapho. Iimali zosuku ngalunye ezinjengeenkonzo, iimveliso zendalo kunye ne-inshorensi zihlala zingabalolwa.
Ndiyinyusa njani i-DTI yam?
Either raise income or cut monthly debt. Paying off a small loan, avoiding new borrowing, or refinancing to a lower payment all reduce the numerator, while a raise or added income increases the denominator — both push the ratio down.
Ndingafumana ityala nge-DTI ephezulu?
Abanikeli abaninzi babeka umda kwimali ethethwayo ekwi-43%, kodwa ezinye iinkqubo zivumela ukunyuka okuphezulu ngetyala elinamandla, iireserve okanye unikezelo olukhulu. Umgangatho ophantsi we-DTI uthetha ukuba uqinisekiso lulula kwaye ixabiso lingcono.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.