Calculators

Debt-to-income (DTI) calculator API

Computes front-end (housing/income) and back-end ((housing+debt)/income) DTI ratios and buckets them against conventional 28/36 and QM 43% guidelines. Answers 'What is my debt-to-income ratio?','Do I meet the 28/36 lending guideline?'.

Price$0.01per request

MethodPOST

Route/v1/calc/loan-dti

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

loandtidebt-to-incomeunderwritingmortgagequalificationcalculator

API URLhttps://x402.hexl.dev/v1/calc/loan-dti

Integration docs

Example request

{
  "grossMonthlyIncome": 6000,
  "housingPayment": 1500,
  "otherMonthlyDebt": 400
}

Example response

{
  "frontEndDtiPct": 25,
  "backEndDtiPct": 31.67,
  "bucket": "strong",
  "meetsConventional": true,
  "meetsQmCap": true,
  "formula": "front-end = housing/income; back-end = (housing+otherDebt)/income",
  "breakdown": {
    "grossMonthlyIncome": 6000,
    "housingPayment": 1500,
    "otherMonthlyDebt": 400,
    "guidelineFrontEndPct": 28,
    "guidelineBackEndPct": 36
  }
}

Input schema

{
  "type": "object",
  "required": [
    "grossMonthlyIncome",
    "housingPayment"
  ],
  "properties": {
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly income.",
      "examples": [
        6000
      ]
    },
    "housingPayment": {
      "type": "number",
      "description": "Total monthly housing payment (PITI).",
      "examples": [
        1500
      ]
    },
    "otherMonthlyDebt": {
      "type": "number",
      "description": "Other recurring monthly debt (default 0).",
      "examples": [
        400
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}