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Estimate how much you could borrow based on standard debt-to-income guidelines used by lenders.
Loan Affordability Calculator
DTI = total monthly debt payments ÷ gross monthly income. Most lenders cap total DTI (including the new loan) at 36–43%.
Gross monthly income—
Maximum total debt payments (at selected DTI)—
Existing debt payments—
Maximum new loan payment (monthly)—
Estimated maximum loan amount—
How This Works
Step 1: Maximum total debt = Income × DTI ratio Step 2: Available for new loan = Max total debt − existing debt Step 3: Loan amount = back-calculated from that monthly payment using the EMI formula
DTI Guidelines (Reference)
Under 36%
Generally considered healthy
36% – 43%
Typical maximum most lenders accept
Above 43%
Higher scrutiny, fewer lenders, higher rates
This is a rule-of-thumb estimate, not a lending decision. Actual loan approval depends on credit score, employment history, down payment, property value (for secured loans), and lender-specific policy — DTI ratio is only one factor among many. This is not a substitute for speaking with a lender or financial advisor.