DTI ratioCalculate debt payments as a share of income.Loading…
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The goal covers essential expenses minus retained income for your chosen months. Update the actual balance; zero deposits with a gap mean an unreachable date, not zero waiting months.
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target = max(0, essential expenses − retained income) × protection monthsgap = max(0, target − latest actual balance); time = round up(gap ÷ positive deposit)Worked example
Worked example using the form's default values.
The goal covers essential expenses minus retained income for your chosen months. Update the actual balance; zero deposits with a gap mean an unreachable date, not zero waiting months.
Use the same amount, horizon, dates and cost basis. Check whether the result is monthly or annual and what it includes. The comparison does not select offers or guarantee their availability.
A save is a snapshot. Load and recalculate it explicitly; the original remains a separate save. Check year, dates, units and assumptions before comparing.
A condition needed for the ratio or goal is missing. Correct the indicated value; do not treat this state as a favorable zero result.
Sources, retrieval dates and the next review are in the methodology. You enter prices, returns and forecasts. The calculator does not fetch offers or confirm individual eligibility.
The goal covers essential expenses minus retained income for your chosen months. Update the actual balance; zero deposits with a gap mean an unreachable date, not zero waiting months.