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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

Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.

Monthly Debt Payments ($)

Monthly Gross Income ($)

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	2
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.	Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.