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Finance & LoansGenerated accuracy model review: 2026-05-06
Debt-to-Income Ratio accuracy and testing
This page documents how Calwarden builds trust for this calculator: source notes, regression-style default tests, limitations, assumptions, unit handling, rounding, and visible change history.
Formula source
- DTI = (Total Monthly Debt Payments / Gross Monthly Income) * 100. For example, if you pay $2,000 in debts and earn $6,000, your DTI is 33.3%.
Test cases
Default input regression check
Generated from the checked-in default inputs and calculate function.
Inputs
- Gross Monthly Income: $5,000
- Rent / Mortgage: $1,200
- Car Payments: $350
- Credit Cards (Min): $100
- Student / Other Loans: $200
Expected outputs
- DTI Ratio: 37.00%
- Lender View: Manageable (36-43%)
- Total Monthly Debt: $1,850.00
Known limitations
- This calculator provides a general assessment. Specific lenders may have different DTI cutoffs (e.g., FHA allows higher DTI than Conventional).
Assumptions
- The ratio uses gross monthly income and scheduled minimum debt payments only.
- This tool calculates a back-end DTI style estimate, not full underwriting or residual income analysis.
- Lender overlays vary, so the status labels are general guidance rather than approval guarantees.
Unit handling
- Gross Monthly Income accepts values in $.
- Rent / Mortgage accepts values in $.
- Car Payments accepts values in $.
- Credit Cards (Min) accepts values in $.
- Student / Other Loans accepts values in $.
- DTI Ratio is displayed as a percentage.
- Total Monthly Debt is displayed as currency.
Rounding rules
- Number displays use up to 2 decimal places in the calculator UI.
- Currency outputs are displayed with standard US dollar formatting.
- Percent outputs are displayed with two decimal places.
Version history
1.0.0 - 2026-05-06
Generated accuracy and testing page from the current debt-to-income-ratio-calculator calculator definition.
Change log
2026-05-06
Published default regression test documentation and metadata fallbacks for Debt-to-Income Ratio.
Calculator transparency
Accuracy pages are generated from checked-in calculator definitions and can be upgraded with curated review metadata over time.