📉 负债收入比计算器Debt-to-Income (DTI) Ratio Calculator
计算负债收入比（DTI），判断贷款申请时的财务健康程度（36% / 43% 参考线）。Calculate your debt-to-income ratio and see where you stand against the 36% / 43% lending guidelines.
使用说明与常见问题How-to & FAQ
「负债收入比计算器」是什么？What is the Debt-to-Income (DTI) Ratio Calculator?
计算负债收入比（DTI），判断贷款申请时的财务健康程度（36% / 43% 参考线）。Calculate your debt-to-income ratio and see where you stand against the 36% / 43% lending guidelines.
如何使用「负债收入比计算器」？How do I use the Debt-to-Income (DTI) Ratio Calculator?
在「负债收入比计算器」中，填写「月税前收入」、「房贷/房租」、「车贷」、「信用卡最低还款」、「其他负债」等参数，结果会随输入实时计算并显示在下方。In the Debt-to-Income (DTI) Ratio Calculator: Fill in "Gross monthly income", "Housing payment", "Car loan", "Credit card minimums", "Other debts"; results are recalculated instantly as you type.
计算结果可以作为最终依据吗？Can I rely on the result?
「负债收入比计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Debt-to-Income (DTI) Ratio Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「负债收入比计算器」免费吗？需要注册吗？Is the Debt-to-Income (DTI) Ratio Calculator free? Do I need an account?
「负债收入比计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Debt-to-Income (DTI) Ratio Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.