What this tool does
Compare current debt load with an income-drop and payment-shock scenario.
How to use it
- Enter your real assumptions.
- Review the result and its breakdown.
- Compare scenarios and verify important figures.
Formula and method
DTI = monthly debt payments ÷ gross monthly income; remainder also subtracts living costs.
Worked example
Test a 15% income drop and a higher payment before taking on new debt.
Useful for
- Scenario planning
- Budget review
- Preparing questions before a decision
Limits and notes
Lender definitions and thresholds vary. This is not an approval decision or financial advice.
Frequently asked questions
Is the result a quote?
No. It is a planning estimate based on your inputs; verify real prices and terms.
Are my inputs uploaded?
No. This tool calculates in your current browser.