Free tool.
Estimate your payment and debt-to-income ratios in 30 seconds. No signup, nothing leaves your browser.
A quick, honest check of where you stand before you talk to a lender. Put in your numbers and get an estimated monthly payment, your debt-to-income ratio and a plain-English readout. Nothing is sent anywhere: the math runs entirely in your browser.
This tool gives rough educational estimates only. It does not include taxes, insurance, HOA fees or lender-specific rules, and it is not financial advice. Talk to a licensed mortgage advisor before making decisions.
Two ratios do most of the talking. The front-end ratio is your housing payment divided by gross monthly income. The back-end ratio adds your other monthly debt payments on top. As a common rule of thumb, lenders like to see the front-end around 28% or less and the back-end around 36% or less, though programs vary and plenty of loans close outside those lines.
This calculator is the kind of practical, no-signup tool that earns links and keeps visitors on your site. We build marketing systems for mortgage professionals: see our guides on getting mortgage leads, SEO for mortgage brokers and marketing for mortgage brokers, or jump straight to our mortgage marketing services.
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