Variable income DTI

Estimate DTI when part of your income varies.

Many programs look at a history of overtime, bonuses, tips or commission and may use an average. This tool lets you estimate how a “stable” portion of that income might be viewed for DTI purposes.

1. Your income

Base gross monthly income ($)

Average variable income per month ($) Example: overtime, bonuses, tips, commission.

How long have you received this variable income?

Number of borrowers

When there is 2+ years of consistent history, some programs may allow more of the variable income. This tool uses a simple assumption and does not reflect any one lender’s guidelines.

2. Monthly debt payments

Total monthly debts (non-housing) ($) Car loans/leases, credit card minimums, personal loans, student loans, etc.

Current or proposed housing payment ($) Current rent, or estimated new mortgage payment if you know it.

Results

Enter your income and debts on the left, then click “Calculate estimated DTI”.

Want help making your numbers stronger?

You may have options to improve your DTI over time. Share your information if you’d like to talk about ideas specific to your situation.

First name

Last name

Phone

State

This is an educational estimate. Actual treatment of variable income can vary by program, lender, and documentation. Always confirm details with a licensed professional.