DTI Payoff Optimizer

Which debt should your buyer pay off first?

Debts are ranked by DTI reduction per dollar — toggle "pay off" to see the new DTI instantly.

Free tool, no login needed. Nothing you enter is saved or sent anywhere.

Gross monthly income

Proposed housing payment (PITI)

Monthly debts

Debt

Balance

Monthly payment

Debt

Balance

Monthly payment

Payoff ranking — biggest DTI drop per dollar first

DTI now (housing + all debts)0.0%

DTI if paid-off debts are cleared ($0 cost)0.0%

DTI improvement0.0 pts

Math aid only. This tool calculates DTI from the numbers you enter — it does not determine qualification, account for lender overlays, or advise which debts to pay. Paying off debts also affects cash reserves; discuss trade-offs with the lender.