We'll solve each loan's real interest rate from its own four numbers and blend all of them into one true payoff schedule — no need to know the original term or disclosed APR.
⚠️ Complete inputs and click Calculate to populate.
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📊 Debt-to-Income Analysis
DTI Ratio — Total Monthly Obligations (Unsecured + Secured) ÷ Net Income—
0%20%35%50%75%100%
≤35% — Favorable
36–49% — Adequate
≥50% — High Risk
Total Income
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Total Monthly Obligations
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Monthly Cash
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🏦 Lender Perspectives on DTI Ranges
≤ 35%
✅ Favorable
Generally viewed as favorable by lenders. Payments are manageable. You likely have money remaining after paying monthly bills.
36–49%
⚠️ Adequate
DTI ratio is adequate but leaves room for improvement. Lenders may ask for additional eligibility requirements before approving credit.
≥ 50%
❌ High Risk
Limited money to save or spend. Unlikely to qualify for additional credit. Cannot handle an unforeseen event or unexpected expenses.
Client DTI Context
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⚠️ Complete inputs and click Calculate to populate.
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The Minimum Payment Trap
At minimum payments only, here's what interest really costs over time
Years to Payoff
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at minimum payments only
Total You'll Pay
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to clear the current balance
Goes to Interest
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— of every dollar paid
—— Year 3 — Total Minimums Paid
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—— Year 4 — Interest Paid
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—— Payoff — Interest Paid
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Year-by-Year Breakdown
Time Period
Unsecured Balance
Annual Min. Pmt
Total Payments
Total Interest
Total Principal
⚠️ Complete inputs and click Calculate to generate the client summary.
