Best DTI Calculator Android App with Smart Simulator and AI Assist

Why Your Debt-to-Income Ratio (DTI) Matters More Than You Think

If you live in the USA, UK, Canada, Australia, New Zealand, Germany, France, Norway, Sweden, Denmark, or Switzerland, one number could make or break your next loan application — your Debt-to-Income Ratio (DTI).

Lenders use your DTI to decide if you can handle more debt. A high DTI could lead to rejection, while a healthy DTI can fast-track approval for your mortgage, personal loan, or auto loan.

The Problem: Most People Don’t Know Their Real DTI

Free online calculators often give rough estimates, skip key debts, or ignore how lenders actually calculate your ratio. And most don’t tell you what that number means for your approval chances.

The Solution: DTI Calculator & AI Loan Simulator

Our DTI Calculator & AI Simulator is designed for people who want bank-level accuracy and AI-powered insights — without sacrificing privacy.

Here’s how it works:

Calculate DTI Like Banks Do
Enter your full financial profile — housing, credit cards, student loans, auto loans, personal loans — and get your exact ratio.
AI Loan Risk Simulation
See your potential loan approval likelihood based on real-world lending criteria in your country. (Educational use only.)
“What If” Scenarios
Adjust your income or debts to see how your DTI changes in real time.
AI Plan to Lower Your DTI
Get a personalized AI-generated plan to explore ways to improve your ratio before applying.

Privacy First: 100% Offline, No Ads

Your financial data never leaves your device. No accounts, no cloud storage, no tracking. The app works without an internet connection — ideal for security-conscious users.

One-Time Purchase. Full Access Forever.

Unlike subscription-based tools, this app costs just $2.99 — pay once, own it forever. No hidden fees, no in-app ads.

If you want to walk into your next loan meeting with confidence, knowing exactly where you stand and how to improve, DTI Calculator & AI Simulator is your ultimate tool.