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Both calculators run independently — change the inputs on either side to compare results.

Debt Affordability Calculator

Calculate the maximum loan amount you can responsibly afford based on your income, existing debts, and the 36% debt-to-income rule. Useful before applying for a mortgage, car loan, or personal loan.

Annual Gross Income ($)

Existing Monthly Debts ($)

Desired Loan Term (months)

Expected Interest Rate (%)

Fill in the required fields to see your result.

Debt

Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.

Gross Monthly Income ($)

Mortgage/Rent Payment ($)

Credit Card Payments ($)

Auto Loan Payments ($)

Other Debt Payments ($)

Fill in the required fields to see your result.

Key differences

	Debt Affordability Calculator	Debt-to-Income Ratio Calculator
Category	Debt	Debt
Inputs required	4	5
Result	Maximum Affordable Loan ($)	Debt-to-Income Ratio (%)
What it does	Calculate the maximum loan amount you can responsibly afford based on your income, existing debts, and the 36% debt-to-income rule. Useful before applying for a mortgage, car loan, or personal loan.	Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.