{"id":67171,"date":"2026-10-20T09:51:48","date_gmt":"2026-10-20T06:51:48","guid":{"rendered":"https:\/\/wpcalc.com\/en\/?p=67171"},"modified":"2026-10-20T09:51:48","modified_gmt":"2026-10-20T06:51:48","slug":"debt-to-income-ratio-calculator","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/en\/finance\/debt-to-income-ratio-calculator\/","title":{"rendered":"Debt-to-Income Ratio Calculator"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Compare Your Monthly Debt with Your Income<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"67171\" data-favorite-title=\"DTI Ratio\" data-favorite-url=\"https:\/\/wpcalc.com\/en\/finance\/debt-to-income-ratio-calculator\/\" data-favorite-excerpt=\"Calculate your housing and total debt-to-income ratios from your gross income and required monthly payments. Enter income as monthly or annual amounts, and enter every debt payment as a monthly amount.\" aria-label=\"Add to Favorites\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/en\/finance\/debt-to-income-ratio-calculator\/\" method=\"POST\" class=\"calculator\" id=\"calculator-67171\" data-post=\"67171\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Input Fields<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Gross income<\/span><\/div><div class=\"field is-single\" id=\"input-2\"><label for=\"field-2\">Income entry period<\/label><div class=\"grid grid-cols-1\"><select id=\"field-2\" name=\"income_entry_period\"><option value=\"monthly\" selected>Monthly<\/option><option value=\"annual\">Annual<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Salary or wages<\/label><input type=\"text\" name=\"salary_or_wages\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Enter gross income before taxes.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Other income<\/label><input type=\"text\" name=\"other_income\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Use the same period as salary or wages.<\/small><\/div><div class=\"is-single field\" id=\"input-5\"><span class=\"font-semibold\">Monthly debt payments<\/span><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Housing payment<\/label><input type=\"text\" name=\"housing_payment\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Rent, or mortgage principal, interest, taxes and insurance (PITI). Include applicable housing charges.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Car loans<\/label><input type=\"text\" name=\"car_loans\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"350\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Student loans<\/label><input type=\"text\" name=\"student_loans\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Minimum credit card payments<\/label><input type=\"text\" name=\"minimum_credit_card_payments\" id=\"field-9\" aria-describedby=\"calc-unit-9 calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><small id=\"calc-info-9\">Enter required minimums, not your card balances.<\/small><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Personal loans<\/label><input type=\"text\" name=\"personal_loans\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Child support or alimony<\/label><input type=\"text\" name=\"child_support_or_alimony\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Other monthly debt<\/label><input type=\"text\" name=\"other_monthly_debt\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Include other required debt payments; do not count an amount twice.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Re-Calculate\" id=\"calculate-button\" data-post=\"67171\">Calculate<\/button><button type=\"reset\">Reset<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calculate automatically<\/label><small>If enabled, the result will update automatically when you change any value.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Your Debt-to-Income Ratios<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Front-end DTI (housing)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Back-end DTI (all debts)<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Back-end DTI rating<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-4\"><span class=\"field-title\"><span>Common lender benchmarks<\/span><\/span><span class=\"field-value\" id=\"result-4\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Maximum monthly debt at 36%<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Maximum monthly debt at 43%<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Monthly debt reduction to reach 36%<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copy link to this calculation<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Leave a Comment<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"67171\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">How did this result make you feel?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Like <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Helpful <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confused <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Disappointed <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inaccurate <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Debt-to-Income Ratio Formula<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\begin{aligned} I &amp;= \\frac{S+O}{p} \\\\ D &amp;= H+C+L+K+P+A+X \\\\ \\text{Front-end DTI} &amp;= \\frac{H}{I}\\times100\\% \\\\ \\text{Back-end DTI} &amp;= \\frac{D}{I}\\times100\\% \\\\ \\text{Debt limit at rate }r &amp;= I\\times r \\\\ \\text{Reduction to reach 36\\%} &amp;= \\max(0,D-0.36I) \\end{aligned} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Where:<\/strong><\/p>\n<ul>\n<li>\\(I\\) \u2014 gross monthly income; \\(S\\) \u2014 salary or wages; \\(O\\) \u2014 other income; \\(p\\) \u2014 1 for monthly income entries or 12 for annual entries.<\/li>\n<li>\\(D\\) \u2014 total required monthly debt payments; \\(H\\) \u2014 housing payment.<\/li>\n<li>\\(C\\), \\(L\\), \\(K\\), \\(P\\), \\(A\\), and \\(X\\) \u2014 monthly car loans, student loans, minimum credit card payments, personal loans, child support or alimony, and other debt, respectively.<\/li>\n<li>\\(r\\) \u2014 0.36 or 0.43 for the two debt-limit results.<\/li>\n<\/ul>\n<p>The front-end ratio measures the housing payment against gross monthly income. The back-end ratio includes housing and all other entered monthly debt payments; the reduction result shows how much total monthly debt exceeds 36% of income, if anything.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-459\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Debt-to-Income Ratio \u2013 Calculation Example<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Example:<\/strong> Using the default monthly entries, salary or wages are $6,000, other income is $500, housing is $1,800, car loans are $350, student loans are $200, and minimum credit card payments are $100. All other debt fields are zero.<\/p>\n<p>\\[ \\begin{aligned} I &amp;= 6{,}000+500=\\$6{,}500 \\\\ D &amp;= 1{,}800+350+200+100=\\$2{,}450 \\\\ \\text{Front-end DTI} &amp;= \\frac{1{,}800}{6{,}500}\\times100\\%=27.69\\% \\\\ \\text{Back-end DTI} &amp;= \\frac{2{,}450}{6{,}500}\\times100\\%=37.69\\% \\\\ \\text{36\\% debt limit} &amp;= 6{,}500\\times0.36=\\$2{,}340 \\\\ \\text{43\\% debt limit} &amp;= 6{,}500\\times0.43=\\$2{,}795 \\\\ \\text{Reduction to reach 36\\%} &amp;= 2{,}450-2{,}340=\\$110 \\end{aligned} \\]<\/p>\n<p><strong>Result:<\/strong> Front-end DTI is 27.69% and back-end DTI is 37.69%, rated \u201cAcceptable\u201d by this calculator. The total monthly debt limits are $2,340 at 36% and $2,795 at 43%; reaching 36% would require $110 less in required monthly debt payments.<\/p>\n<p>\n\r\n<\/section>\n<h2>How to use the calculator<\/h2>\n<ol>\n<li>Choose <strong>Income entry period<\/strong>: Monthly or Annual. Enter <strong>Salary or wages<\/strong> and <strong>Other income<\/strong> as gross amounts for that same period. If you change the period, update both amounts; the calculator does not convert the numbers already entered.<\/li>\n<li>Enter your required monthly <strong>Housing payment<\/strong>. For rent, use the monthly rent. For a mortgage, include principal, interest, taxes, insurance, and applicable housing charges.<\/li>\n<li>Fill in <strong>Car loans<\/strong>, <strong>Student loans<\/strong>, <strong>Minimum credit card payments<\/strong>, <strong>Personal loans<\/strong>, <strong>Child support or alimony<\/strong>, and <strong>Other monthly debt<\/strong>. Use monthly payments, not balances, and leave a field at zero when it does not apply.<\/li>\n<li>Read <strong>Front-end DTI (housing)<\/strong> and <strong>Back-end DTI (all debts)<\/strong>. Then compare the <strong>Back-end DTI rating<\/strong>, <strong>Common lender benchmarks<\/strong>, the two maximum-monthly-debt figures, and <strong>Monthly debt reduction to reach 36%<\/strong>.<\/li>\n<\/ol>\n<h2>What debt-to-income ratio tells you<\/h2>\n<p>Debt-to-income ratio, or DTI, is the share of your gross monthly income committed to required monthly payments. Gross means before taxes and other deductions. A back-end DTI of 37.69% means that about $37.69 of every $100 in gross monthly income goes toward the housing and other debt payments entered here. It does not mean the remaining amount is available to spend: taxes, groceries, utilities, savings, and other costs still need to be paid.<\/p>\n<p>Front-end DTI isolates housing, while back-end DTI adds the other obligations. Looking at both can show whether housing or other debt is driving the total. If you are considering a home purchase, test the expected new housing payment rather than automatically adding it to rent that the purchase would replace. A <a href=\"https:\/\/wpcalc.com\/en\/finance\/mortgage-calculator\/\">mortgage calculator<\/a> can help you estimate a payment to enter.<\/p>\n<p>The calculator displays common reference points of 28% front-end and 36% back-end for conventional loans, 31% and 43% for FHA loans, and a commonly cited 41% back-end figure for VA loans. These are general benchmarks, not universal approval rules. The rating describes only the calculated back-end ratio: it is not a lender decision. The calculator assigns ratings after rounding that ratio to the nearest whole percent, so a rating may change near a displayed benchmark.<\/p>\n<h2>Assumptions and practical limits<\/h2>\n<ul>\n<li><strong>Keep periods consistent.<\/strong> Income can be entered monthly or annually; debt payments must always be monthly. Total gross monthly income must be greater than zero.<\/li>\n<li><strong>Count required payments once.<\/strong> For credit cards, enter the required minimum, not the outstanding balance or an optional extra payment. Put each obligation in only one debt field.<\/li>\n<li><strong>Check what a lender will count.<\/strong> Treatment of variable or other income, support payments, housing charges, and particular debts can vary by lender and loan program. A lender may also assess credit, assets, and documentation that this calculator does not consider.<\/li>\n<li><strong>Interpret the reduction as a payment target.<\/strong> \u201cMonthly debt reduction to reach 36%\u201d is the difference between current required monthly payments and 36% of income, floored at zero. It is not the amount of loan principal you must repay. If you are exploring a different payment, a <a href=\"https:\/\/wpcalc.com\/en\/finance\/debt-consolidation\/\">debt consolidation payment calculator<\/a> or <a href=\"https:\/\/wpcalc.com\/en\/finance\/auto-loan-calculator\/\">auto loan calculator<\/a> can help you estimate an amount to test here.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Calculate your housing and total debt-to-income ratios from your gross income and required monthly payments. Enter income as monthly or annual amounts, and enter every debt payment as a monthly amount.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[30],"class_list":["post-67171","post","type-post","status-publish","format-standard","hentry","category-finance","tag-mortgage"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/67171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/comments?post=67171"}],"version-history":[{"count":1,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/67171\/revisions"}],"predecessor-version":[{"id":67202,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/67171\/revisions\/67202"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/media?parent=67171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/categories?post=67171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/tags?post=67171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}