Debt and Income Impact Simulator

Debt & Income Impact Simulator

Settlement modeling for Spouse A & B

Model how **debt division** and **support** affect each spouse’s estimated DTI and net cash flow under a proposed housing payment.

Support Linking

Link “Support Paid by A” → “Support Received by B” (and vice versa) If checked, the amount one spouse pays auto-fills as the other spouse’s received income.

DTI Thresholds (Guidance Only)

Green ≤ (%)

Yellow ≤ (%)

These are common guidance bands; investor/product rules vary.

Spouse A — Income & Housing

Base Monthly Income ($)

Other Monthly Income ($)

Support Received ($/mo)

Support Paid ($/mo)

Proposed Housing Payment (PITI $/mo)

Spouse B — Income & Housing

Base Monthly Income ($)

Other Monthly Income ($)

Support Received ($/mo)

Support Paid ($/mo)

Proposed Housing Payment (PITI $/mo)

Debt List & Allocation

Assign each monthly payment to Spouse A or Spouse B

Name	Type	Monthly Payment ($)	Assigned To	Include

Tip: “Support Paid” should be entered above (it’s treated as a liability automatically). Credit cards use minimum payments.

Spouse A — Summary

Includes Net and DTI inside the same box for clarity.

Gross Monthly Income$0

Debts (incl. Support Paid)$0

Proposed Housing (PITI)$0

Back-End DTI—

A: Net (Income − Housing − Debts)$0

Status

Spouse B — Summary