Debt-to-Income Ratio Calculator implementation

Binding contract

This record describes what an executable surface must bind and validate. It does not claim that a public calculator, package, or production route is deployed.

Record owner

Guth Instruments

Lifecycle

verified-clean

Evidence ID

t5-217

Effect

Computation or source lookup only

Input and validation requirements

A zero gross monthly income produces an undefined division; an implementation that does not reject it may expose Infinity or an invalid DTI percentage.

Required corrections

No binding erratum is attached to this unique-name record. Implementers must still preserve the declared units, domain, and failure behavior.

Inspectable interface fixture

The sample below is evidence for interface and validation tests, not a production implementation.

{
  "inputs": {
    "monthly_debt_payments": [
      1500,
      300,
      200
    ],
    "gross_monthly_income": 5000
  },
  "expected_outputs": {
    "total_monthly_debt_payments": 2000,
    "dti_percent": 40,
    "threshold_note": "Illustrative reference only: 36% and 43%; actual lender criteria vary."
  },
  "working": "1. Sum debt payments: 1,500 + 300 + 200 = 2,000. 2. Divide by gross monthly income: 2,000 ÷ 5,000 = 0.40. 3. Convert to a percentage: 0.40 × 100 = 40%. 4. Result: DTI = 40%."
}

Other records

Sources and evidence

These pointers bind the page to evidence. They do not grant authority or collapse verification into deployment.

• VERIFIED_LEDGER.json
• evidence-tranche5/tranche5-results.json