Real-time PTI & DSR — precise installments and loan amounts

Enter income, expenses, obligations, APR and term. We compute the affordable installment, implied loan amount, and actual PTI/DSR with a clear, auditable breakdown.

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Instant Affordability Preview

See income, expenses, obligations, and the new installment in a clean donut chart.

Income
Net monthly
Obligations
Existing
Expenses
Fixed + variable
New Inst.
Affordable
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PTI & DSR in seconds

We compute PTI, DSR, and a safe installment cap using a DSR limit and a disposable-income check.

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Smart constraints

Pick a DSR cap; we also ensure the installment won’t exceed disposable income.

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Export & integrate

Embed in origination flows or export to spreadsheets and reports.

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Inputs
Results
Affordable Installment
ê 0
Implied Loan Amount
ê 0
PTI
0%
DSR (incl. obligations)
0%
Expense Breakdown ê Sample Case
    Total Expenses: ê 0
    Notes: Installment is capped by min(DSR cap, disposable income). Loan amount assumes level payments (annuity) with monthly compounding.

    Built for real origination flows

    Plug into DecisionSmart

    Expose the calculation inside decision flows and persist results for audit.

    Policy-aware

    Enforce lender rules for PTI/DSR, minimum income, and exception handling.

    Explainable outcome

    Breakdowns and limits help analysts justify decisions instantly.

    Frequently Asked Questions

    We compute two limits: (1) DSR cap × income (minus obligations); and (2) disposable income after expenses and obligations (optionally with a safety buffer). The affordable installment is the minimum of these.

    We convert the affordable installment to a present value using the standard annuity formula with monthly compounding at the selected APR and term.

    No — this preview is illustrative. Production should include your policy rules, limits, and documentation in DecisionSmart.