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x402toll DTI Calculator
x402
x402toll DTI Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-15).
Calculates front-end and back-end debt-to-income ratios and returns a pass/fail verdict against conventional 28/36 or custom limits.
Price / call$0.02
Success—
StatusUnknown
How this service works
Debt-to-income ratio — front-end and back-end — with pass/fail against your (or the conventional 28/36) limits.
Output
Returns the computed front-end DTI (housing payment / gross income) and back-end DTI ((housing + other debts) / gross income) as percentages, along with pass/fail verdicts compared against either the user-supplied limits or the conventional 28% front-end and 36% back-end thresholds.
Example use cases
Example prompt
“My gross monthly income is $7,500, my proposed mortgage payment including taxes and insurance would be $1,800, and I have $400/month in other debts like a car loan — can you calculate my front-end and back-end DTI ratios and tell me if I pass the standard 28/36 rule?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/lending/dtiWhen to prefer
Use this endpoint when you need an instant, deterministic DTI calculation with pass/fail logic against configurable or standard 28/36 lending thresholds — ideal for mortgage pre-qualification checks, loan affordability screening, or financial planning workflows where you need both front-end and back-end ratios in a single call without implementing the math yourself.
Side effects
- Missing grossMonthlyIncome — required field, returns validation error
- Missing proposedHousingPayment — required field, returns validation error
- grossMonthlyIncome is zero or negative — division by zero or invalid result
- Non-numeric values for any field — schema validation error
- Custom limit percentages outside reasonable range may produce unexpected pass/fail results
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| backLimitPct | number | |
| frontLimitPct | number | |
| otherMonthlyDebts | number | |
| grossMonthlyIncome | number | |
| proposedHousingPayment | number |
Tags
x402
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