Calculator

Ṣàfikún DTI rẹ́ - ìdíyelé ì̀rọ̀ọ̀kan tí a fi pamọ́ sí ì̀rọ̀ọ̀kan tí a fi pamọ́.

Àwọn ìṣàmúlò-ètò

Ìfípamọ́ Ìṣàmúlò-ètò ?

Iṣẹ́ tabi ipòlowo, pẹlú owó ifowopamọ́ atí ifowopamọ́.

Àwọn àwọn ìṣàmúlò-ètò mìíràn

Àwọn ààyè-iṣẹ́

Àwọn Ìṣàmúlò-ètò —

Àwọn ìṣàmúlò-ètò —

Àwọn ààyè-iṣẹ́ àwọn ààyè-iṣẹ́ —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini ibatan owo-ori-si-ifowopamọ ti o dara?

Laarin 36% ni gbo ti wa ni ri bi ti o dara, pẹlu 43% ni igbagbogbo ti awọn oke fun a ipolowo ti o ni ẹtọ. Ni oke ti eyi, awọn lenders le dẹkun tabi gba diẹ sii. DTI = gbogbo osu owo ÷ gross osu owo × 100.

Ńwó DTI ló àwọn owó ìpamọ́ àti àwọn owó ìpamọ́?

Lenders lo gross (pre-tax) monthly income fun DTI. eyi ti o mu ki ratio wo ni isalẹ ju ti o yoo lodi si gba-igba-igba, ki budget pẹlu rẹ net nọmba ni ifẹ tun.

Kini ìyatọ̀ laarin àwọn ìṣàfarawé àti àwọn ìṣàfarawé DTI?

Front-end DTI counts only your housing payment against income, while back-end DTI counts all debt including housing. Lenders usually care most about the back-end figure; a common guideline is front-end under 28% and back-end under 36%.

Kini oṣuwọn owo-ori ti a gba?

Recurring monthly obligations: mortgage or rent, car loans, student loans, minimum credit-card payments, personal loans and child support or alimony. Everyday bills like utilities, groceries and insurance are generally not counted.

Bawo ni mo ti lè fi ìgbàdúró ìṣàfarawé ìṣàmúlò-ètò mì?

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.

Ń lè gbá ipòtì kan tí a bá ní DTÍ to gájú?

Ni igbagbogbo. Omi-ilẹ ti o ni ọpọlọpọ awọn lenders ti o ni ẹtọ lati gbese ni ayika 43%, ṣugbọn awọn iṣẹ-ṣiṣe diẹ gba laaye lati ga julọ pẹlu owo-ori ti o lagbara, awọn ipamọ tabi owo-ori ti o tobi. DTI ti o kere julọ ni gbo tumọ si itẹwọgba ti o rọrun ati awọn idiyele ti o dara julọ.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`