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Debt to Income Calculator DTI | Veteran Financial Audit Worksheet | Printable Debt Ratio Planner | Military Money Budget PDF

Price:$19.00

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Highlights

  • Digital download
  • Digital file type(s): 1 PDF

Know your number before a lender tells you.
Your debt-to-income ratio (DTI) is the number every lender looks at first — for a VA home loan, a car loan, or a rental application. This is the premium standalone version of PatSan's Financial Audit: the same 6-page worksheet from The Money Toolkit, sold on its own for anyone who just needs the DTI deep-dive.
WHO IT'S FOR:
Veterans, service members, and military spouses who want to know exactly where they stand — especially if a VA home loan, refinance, or big purchase is on the horizon.
WHAT'S INSIDE (6-page printable PDF):
• Monthly income worksheet — convert annual pay to monthly, document every source
• Monthly debt inventory — every recurring payment listed, housing split out first
• DTI calculation page — front-end housing ratio + back-end total debt ratio, side by side
• Lender-style interpretation guide — the 28% / 36% / 43% bands explained in plain English
• Calculation assumptions & findings worksheets — document what's included and why
• Recommendations & action plan — next steps, review date, and sign-off
HOW IT WORKS:
Instant download. One PDF right after checkout — no shipping, no waiting. Print it and fill it in by hand, or annotate on your tablet. Works with any free PDF reader.
WANT THE FULL SET? This audit is also included in The Money Toolkit ($25) along with the 50/20/30 Percent Method budget sheet and the Military Transition Checklist — grab the bundle in my shop if you want all three.
FAQ:
• Is this financial advice? No. Educational planning tools only — not financial, tax, or legal advice. For personal advice, talk to a licensed professional.
• Do I need special software? No. Any free PDF reader works. Print the worksheets or annotate on a tablet.
• Will this guarantee my loan approval? No tool can guarantee lending approval. This shows you the same math lenders start with, so there are no surprises.
• Is this the same as the toolkit version? Yes — this is the standalone DTI audit from The Money Toolkit. If you already own the bundle, you don't need this.
Educational only — not financial, tax, or legal advice.
Built by a veteran. Know your numbers — then make your move.

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Listed on Sep 23, 2026
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