Calculator · Decisioning

Debt-to-income (DTI) calculator.

Check where a borrower sits against policy DTI limits, and how much monthly repayment headroom is left before they hit the line.

Borrower finances

Gross monthly income $6,000

Existing monthly debt payments $1,500

Proposed new loan payment $800

Policy DTI limit 43%

DTI = total monthly debt ÷ gross monthly income. Illustrative — set your own policy limit.

DTI with the new loan

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Current DTI (before new loan)

Monthly headroom to limit

Headroom is the additional monthly repayment the borrower could take on before crossing the policy DTI limit.

DTI checks, automated in the decisioning engine.