Worried your loan might get rejected?

Not sure how much debt is too much?

Confused by income, obligations, and percentages?

DTI Calculator & AI Simulator is your private, smart financial app, designed to give you clear insights into your Debt-to-Income Ratio (DTI), simulate your potential loan approval risk, and help you explore ways to improve your DTI using AI Assist.

Whether you're comparing a personal loan, evaluating a student loan, or planning ahead with a mortgage calculator, this app gives you the clarity and control you've been missing.

No more guesswork. No more confusion. Just confidence.

Discover How This App Helps You Understand Your Financial Standing?

✅ Check Your Loan Risk Instantly with AI Assist

Before applying for a loan, know your chances.
The built-in AI Assist simulates real-world lending decisions and shows your approval likelihood based on your income, debt, and financial patterns.
(For educational purposes only.)

✅ Understand How to Lower Your DTI

Is your DTI too high?
The app provides an AI-generated plan to help you explore adjustments that may improve your ratio, like reducing debt or increasing income.
(For educational purposes only.)

✅ Simulate Real-World “What If” Scenarios

Adjust your debts or income and watch your DTI update in real time.
Use the interactive DTI Simulator to explore different outcomes and make better decisions before applying.

✅ Calculate DTI Exactly Like Banks Do

Enter your full financial profile housing, credit cards, student loans, auto payments, and more. This flexible calculator provides bank-level precision, not just estimates.

✅ Export Your DTI Report to PDF or CSV

Need to share results with a lender, advisor, or just keep a copy?
Export a clean, professional report in one tap.

✅ 100% Private. 100% Offline. No Ads.

All calculations stay on your device. No sync, no data collection, no account required to use the core calculator.

(Login is only used to access saved preferences or unlock advanced features like simulation or analysis.)

? Bonus Features:
- Simple, elegant interface with Dark Mode.
- Fast performance. Built for clarity.

Important Note:
This loan calculator app does not offer, promote, or facilitate real loans or financial services. It is intended for educational use only.

Download DTI Calculator & AI Simulator today
and take full control of your debt payoff, budgeting, and financial confidence.