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Mortgage Calculators for Income, DTI, Payment & Cash to Close
Estimate your qualifying income, debt-to-income ratio, monthly payment, and funds needed to close. These tools are designed to give borrowers a clearer starting point before applying for a mortgage.
Tools and calculators
Find the right planning tool.
Each calculator is educational and designed to support a common mortgage underwriting approach without replacing a complete application and underwriting review.
Estimated Monthly Payment
Estimate principal and interest based on purchase price, down payment, and interest rate.
Calculate Payment →Cash to Close
Estimate down payment, closing costs, prepaids, escrows, and seller credits.
Estimate Cash Needed →Investor’s Desk
Review investor scenarios, including DSCR, cash flow, short-term rental, and multifamily opportunities.
Explore Investor’s Desk →Refinance Calculators
Route your refinance review by current loan type, goal, and strategy before requesting real numbers.
Find My Refinance Path →Income Calculator
Estimate qualifying income from hourly, salaried, variable, self-employed, and military income sources.
Calculate My Income ↓DTI Calculator
Estimate front-end and back-end debt-to-income ratios based on income, housing payment, and monthly obligations.
Calculate My DTI ↓These tools are a starting point. For a complete review — including co-borrower income, rental income, business income, liabilities, assets, credit layering, and offer strength — begin the Mortgage Intelligence Journey.
Begin Your Journey →Income Calculator
Estimate how your income may be reviewed for mortgage qualification.
Use the income calculator to create a planning estimate before a full loan review.
Variable income
Pay stub / W-2 history
Time at current job may require additional employment history review.
Estimated Monthly Income$7,219
Estimate only. Final qualifying income, DTI, loan eligibility, rate, payment, and cash to close are determined through a complete application, documentation review, and underwriting.
DTI Calculator
Estimate the housing payment your income and debts may support.
Review front-end and back-end debt-to-income ratios as a planning estimate before a full loan review.
Additional debts
Front-end DTI33.5%
Back-end DTI41.2%May need compensating factors
Available housing at 36%$2,410
Available housing at 43%$3,005
Available housing at 50%$3,600
Proposed payment testWithin 43% planning markerEducational only
Estimate only. Final qualifying income, DTI, loan eligibility, rate, payment, and cash to close are determined through a complete application, documentation review, and underwriting.
Mortgage calculator FAQ
Common calculator questions.
Answers are educational. Final treatment depends on loan program, documentation, AUS findings, and underwriting.
What is a mortgage DTI calculator?
A mortgage DTI calculator estimates how your proposed housing payment and monthly obligations compare with monthly income. It is an educational starting point, not an approval decision.
How is qualifying income estimated?
Income is commonly reviewed by source, stability, documentation, and history. A lender may compare current income with prior years and year-to-date earnings before final underwriting.
Can overtime, bonus, or commission income count?
Many programs may allow variable income when it is documented and reasonably stable. Final treatment depends on loan program, documentation, AUS findings, and underwriting.
How do self-employed borrowers estimate mortgage income?
Self-employed income is often documentation-sensitive and may require tax return review, ownership verification, business liquidity analysis, and year-over-year comparison.
Does military BAH or BAS count as income?
Military allowances such as BAH or BAS may be reviewed as part of the overall income picture when documented and eligible under applicable guidelines.
What is the difference between front-end and back-end DTI?
Front-end DTI compares housing payment with income. Back-end DTI compares housing payment plus monthly debts with income.
Can student loans affect my DTI?
Student loans can affect DTI because a lender may need to include a required or guideline-based monthly payment. Treatment can vary by loan program and documentation.
Is this calculator a loan approval?
No. These tools are for informational and planning purposes only and do not constitute a loan approval, commitment to lend, interest rate lock, or guaranteed terms.
Turn estimates into a reviewed mortgage strategy.
Calculators and tools are for informational and planning purposes only. Results are estimates and do not constitute a commitment to lend, loan approval, interest rate lock, or guaranteed loan terms. Final qualifying income, DTI, eligibility, rate, payment, and cash to close are determined through a complete application, documentation review, and underwriting. Simple Lending Mortgage LLC · NMLS #1919981 · Licensed in Florida and Georgia.