Loading…
Loan calculator
Estimate debt service ratio from annual income, existing annual debt service, and a new loan scenario.
See how annual principal-and-interest payments, including a new amortizing loan, compare with income.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Debt service ratio
Supporting value: New loan monthly payment
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
Shares only the calculator name and displayed result summary. Inputs and URLs are not included or stored.
Uses your browser’s print feature without uploading or automatically saving your inputs or results.
A planning estimate assuming level monthly payments; a lender's actual DSR assessment may differ.
Calculate to see the estimated DSR and debt-service amounts.
Debt service ratio compares all annual principal-and-interest payments with annual income.
Enter the total principal and interest you repay in one year across existing debts.
No. Regulations, lender underwriting, and recognized income can change eligibility.
The new loan uses level monthly principal-and-interest payments; other methods can produce different annual amounts.