{
  "tool_id": "debt_to_income",
  "slug": "debt-to-income-calculator",
  "path": "/debt-to-income-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/debt-to-income-calculator/?<params>",
  "sample_input": {
    "tool": "debt_to_income",
    "gross_monthly_income": 8500,
    "housing_payment": 2200,
    "other_debt_payments": 550,
    "preferred_max_dti_percent": 43,
    "mortgage_rate_percent": 6.5,
    "mortgage_term_years": 30
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "gross_monthly_income": {
        "type": "integer"
      },
      "housing_payment": {
        "type": "integer"
      },
      "other_debt_payments": {
        "type": "integer"
      },
      "preferred_max_dti_percent": {
        "type": "integer"
      },
      "mortgage_rate_percent": {
        "type": "number"
      },
      "mortgage_term_years": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "gross_monthly_income",
      "housing_payment",
      "other_debt_payments",
      "preferred_max_dti_percent",
      "mortgage_rate_percent",
      "mortgage_term_years"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "frontEndDtiPercent": {
        "type": "number"
      },
      "backEndDtiPercent": {
        "type": "number"
      },
      "lenderZone": {
        "type": "string"
      },
      "maxMonthlyDebtAtTarget": {
        "type": "number"
      },
      "additionalMonthlyDebtCapacity": {
        "type": "number"
      },
      "estimatedBorrowingCapacity": {
        "type": "number"
      },
      "assumptionsEcho": {
        "type": "object",
        "properties": {
          "grossMonthlyIncome": {
            "type": "number"
          },
          "housingPayment": {
            "type": "number"
          },
          "otherDebtPayments": {
            "type": "number"
          },
          "preferredMaxDtiPercent": {
            "type": "number"
          },
          "mortgageRatePercent": {
            "type": "number"
          },
          "mortgageTermYears": {
            "type": "number"
          }
        }
      },
      "warnings": {
        "type": "array",
        "items": {}
      }
    }
  }
}