Affordability Model
Real-time PTI & DSR Engine

Real-time PTI & DSR – precise instalments 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.

Request Demo Open Calculator Features Resources

Instant Affordability Preview

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

Try it now

Open Calculator

Read FAQs

Help Center
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

    Learn more

    View policies

    See example
    FAQ

    Frequently Asked Questions – Affordability Model

    Everything you need to know about instant PTI, DSR and instalment calculations.

    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.