Gliora
Tools

Money

Housing & transport

Life

Tools

Explore

Español

Debt-to-income capacity calculator

By Gliora Team

Debt-to-income capacity calculator

Recommended maximum payment $700.00 per month
Maximum loan / mortgage
$147,613.52

For guidance only: lenders typically want total debt payments to stay under 30-35% of your net income. Each lender has its own criteria. This is not financial advice.

Debts $650 · 13% · room $1,170
DEBT
Safe zone: up to 35% of your income Danger zone With $5,200 in monthly net income and a 35% rule, your debt payments shouldn't go above $1,820: that's the gauge's red line. If you already pay $650, there's room for a new $1,170 payment, which over 30 years at 6.5% supports a loan of about $185,107. Every extra dollar of payments pushes the needle up and eats into that room; past the line, the valve opens: the zone where lenders usually say no.

This debt-to-income capacity calculator estimates the maximum monthly payment you could reasonably take on, and the loan or mortgage amount that payment would support, based on your income, existing debts and a target debt-to-income ratio.

How much debt you can take on

Before applying for a mortgage or loan, it helps to know what you can actually afford to pay each month. The 35% rule caps your debt payments at a share of your net income; from that limit, this tool works out your maximum monthly payment and the loan size it supports over your chosen term and interest rate.

Example

With $2,000 in net monthly income, no existing debts, a 35% ratio, a 25-year term and a 3% annual rate, the maximum recommended payment is about $700/month, supporting a loan of roughly $147,600. Raise your existing debts and the maximum payment — and loan size — drop accordingly.

For guidance only — not financial advice.

FAQ

How much debt can I safely take on?
A common rule of thumb is that your total monthly debt payments (mortgage, car loan, other loans) shouldn't exceed 30-35% of your net income. Above that, the risk of missed payments rises and lenders often decline the application.
What counts as a debt payment?
All your recurring loan payments: mortgage, car loan, personal loans, financed purchases, and similar. The more you already pay, the less room you have for new debt.
Does this replace a lender's affordability check?
No. Each lender applies its own criteria, income verification and stress tests. This calculator gives a quick estimate to plan around, not a loan approval.
Embed this calculator on your site

Copy this code and paste it into your page or blog. It's free and always up to date.