{"uid":"cap_waeNXt-mkwB5vWz585isw","slug":"x402toll-dti-calculator-3e990730","name":"x402toll DTI Calculator","description":"Debt-to-income ratio — front-end and back-end — with pass/fail against your (or the conventional 28/36) limits.","url":"https://x402toll.com/v1/lending/dti","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"backLimitPct":{"type":"number","default":36},"frontLimitPct":{"type":"number","default":28},"otherMonthlyDebts":{"type":"number","default":0},"grossMonthlyIncome":{"type":"number"},"proposedHousingPayment":{"type":"number"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ghC8XZFpbNhrD1x-83AoU","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates front-end and back-end debt-to-income ratios and returns a pass/fail verdict against conventional 28/36 or custom limits.","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:42:55.049Z","isFirstParty":false}