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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.
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.