← Honed Money

How much income is already spoken for?

Turn your monthly income and required payments into the two ratios mortgage lenders often review: housing-only and total debt.

Monthly numbers

01 / INPUT
$

Income before taxes, benefits, or other paycheck deductions.

$

Use rent, or mortgage principal and interest plus property tax, insurance, and HOA dues. Enter 0 if none.

Other required debt

OPTIONAL
$
$
$
$

Enter required monthly payments, not account balances. Leave an optional field blank if it does not apply.

Your entries stay in this tab and are not saved.

Two ratios, one clearer picture.

Enter your gross income, housing cost, and required debt payments to see how much of each month is committed.

What lenders look for

DTI is one part of the decision. A lender may also weigh your credit history, the stability of your income, your down payment, cash reserves, and the rules for the loan you want. Different lenders and loan products set different limits, so this result estimates the math—not whether you will be approved.

Last reviewed: October 2026.