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Affordability Calculator
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Include rent/mortgage, car, loans, credit cards.
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For items like furniture, electronics, travel, etc.
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For subscriptions, loans, or financing.
How this works:
We use Debt-to-Income (DTI) as the primary affordability signal. Under 28% is healthy,
28–36% is manageable, 36–43% is high, and above 43% is typically too risky.
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⚠️ Important: What a DTI Over 36% Means
When your Debt-to-Income ratio (DTI) rises above 36%, your financial flexibility begins to shrink. Lenders see you as higher risk, and even small unexpected expenses can create budget stress.
- You’ll qualify for fewer loans and higher interest rates
- You’ll have less room for saving and investing
- Your emergency fund becomes far more important
- Adding new subscriptions or payment plans becomes risky
If your DTI is above 36%, focus on paying down high-interest debt or increasing income before taking on new purchases or credit obligations.