Free calculator

Loan Affordability Calculator

Lenders look at debt-to-income (DTI) before approving you. This calculator works backward from your monthly income and existing debts to the largest loan payment — and loan size — you can responsibly carry.

Gross monthly income

Pre-tax income from all sources, before deductions.

Existing monthly debt payments

Sum of every fixed debt payment: rent or mortgage, auto loans, minimum credit-card payments, child support.

Max DTI lender will accept

Most personal-loan lenders cap DTI at 43%. Stricter lenders use 36%.

Expected APR

Use a recent prequal quote, or check our rate snapshot.

Term (months)

Max loan you can carry

$118,432

Max monthly payment

$2,575

Resulting payment

$2,575

Current DTI

8.7%

DTI after this loan

43.0%

Lender DTI ceiling

43%

This calculator provides general loan projections only and is not individualized financial advice or a loan offer. Confirm actual APR, fees, and terms with your lender before borrowing.