Tool

Loan Affordability

See what you can actually afford to borrow — based on your income, existing debts, and target DTI.

Your situation

Gross monthly income

Existing monthly debt payments

Everything except the new loan you're considering.

Target max DTI (%)

Most lenders cap at 43–45%. Conservative: 36%.

Loan terms

Interest rate (APR %)

Loan term (months)

60 = 5 years, 36 = 3 years, 360 = 30 years.

Affordability

Max affordable monthly payment

—

Max loan amount

—

Based on your DTI target and loan terms above.

Total paid

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Total interest

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Pro tip: Just because you can borrow this much doesn't mean you should. Most financial planners recommend keeping total debt payments under 36% of gross income — even if a lender would approve higher.