Evidence-first money workflow · Personal Money
Debt-to-Income Source Reconciler
Document included, excluded, and disputed income and debt sources behind front-end and back-end debt-to-income ratio calculations.
- 1Prepare
- 2Analyze
- 3Review and export
Prepare the evidence
Paste the documented CSV schema or choose a local CSV file. Nothing is sent to Nirmion.
Review the analysis
Summary metrics lead back to the rows that support them.
Method and interpretation
How to use Debt-to-Income Source Reconciler
Use this reconciler when a debt-to-income ratio needs an auditable source list rather than a single calculator result. It separates gross income included in the denominator, housing obligations used for front-end DTI, other monthly debts used for back-end DTI, and rows that were excluded or disputed. This makes different underwriting scenarios easier to compare without inventing a universal approval threshold.
Prepare the input
For each income source, provide gross monthly amount, yes/no inclusion, and a reason. For each debt, provide monthly payment, housing or other type, inclusion decision, dispute state, and evidence source. Use gross income before taxes and deductions for the modeled denominator. Enter the monthly obligation used by the scenario, not the total balance. At least one positive included income source is required.
Check the worked example
The example includes salary and a documented freelance average, excludes unverified cash income, and includes proposed housing, auto, and credit-card payments. A paid-off store card remains visible as excluded and disputed. The result shows both ratios plus the exact amounts removed from numerator or denominator.
Read the evidence
Front-end DTI uses included housing payments only. Back-end DTI adds included other debt payments. Review excluded-income and excluded-debt amounts because either can materially change the ratio. Disputed rows remain action items even when excluded; the calculation does not resolve a credit-report or lender disagreement. Source fields show where each payment amount came from.
Calculation method
Included gross income is the sum of income rows marked yes. Front-end DTI = included housing payments ÷ included gross income × 100. Back-end DTI = included housing plus included other debt payments ÷ included gross income × 100. Money uses exact minor units; percentages display one decimal place.
Questions this workflow helps answer
Use these questions to confirm that this tool matches the task you need to complete.
- How can I reconcile the income and monthly debts used in a DTI calculation?
- What is the difference between front-end and back-end debt-to-income ratios?
- Which excluded or disputed sources change my documented DTI worksheet?
Limits and decision boundary
Lenders and products define qualifying income, housing expense, recurring debt, proposed payment, and allowable exclusions differently. This tool does not establish ability to repay, approval, affordability, or a compliant underwriting decision. Taxes, living expenses, assets, residual income, credit history, and changing obligations are outside the ratio.
Common mistake
Do not divide by take-home pay when the scenario calls for gross income. Also avoid entering an account balance where the monthly required payment is needed.
Your pasted values and selected CSV files are processed in this browser tab. This workflow does not connect to a bank, save a budget, or provide financial, tax, legal, or investment advice.
Questions about this workflow
What is the difference between front-end and back-end DTI?
Front-end uses housing payments divided by gross income. Back-end adds other included monthly debt payments to the housing amount.
What ratio is required for approval?
There is no universal value in this tool. Limits and definitions vary by lender, product, program, and complete application evidence.
Should a disputed debt be removed?
Record the inclusion decision used by the scenario and keep disputed=yes for review. The tool cannot determine whether the obligation is legally or contractually valid.