About Debt‑to‑Income Pro

Debt‑to‑Income Pro is a free tool by Everyday Royalties that helps you understand your borrowing power. We believe clear tools create confident borrowers.

We do not sell personal data. We display ads to keep the tool free.

Our Mission

Make borrowing decisions clearer by turning complex underwriting math into friendly tools and honest guidance.

How This Calculator Was Built

• Front-end and back-end DTI: We separate housing-only vs. all-debts math so you can see both gates.
• What‑if toggles: Mark a debt as “Pay Off” to preview how your DTI could change after the statement cycle.
• Client‑side only: Calculations run in your browser; we don’t send your numbers to a server.

Editorial Principles

• Education first: Tools and explanations are designed to inform, not to sell products.
• Plain language: We avoid jargon where possible and define terms in the Learn page.
• Transparency: We disclose assumptions, limitations, and advertising relationships.

How We Keep the Lights On

This site is free. We rely on advertising and affiliate links where appropriate. Ads are labeled and policies are covered on the Privacy page.

Accessibility

• Keyboard navigability and high‑contrast UI where possible.
• Alt text on images and clear labels for form controls.
• If you need accommodations, email everydayroyalties@gmail.com.

Roadmap

• Scenario compare & share links
• Printable one‑page cheat sheets
• Localized tax/insurance presets

Team & Ownership

Debt‑to‑Income Pro is a project by Everyday Royalties. We’re small by design so we can ship focused tools quickly and respond to real user feedback.

• Editorial: Clear, unbiased explanations of underwriting math.
• Engineering: Lightweight, fast front-end code you can trust.
• Support: Human replies at everydayroyalties@gmail.com.

Tech Stack & Performance

• Static HTML/CSS/JS — no framework bloat, loads fast on low-end devices.
• Client-side calculations — inputs never leave your browser.
• SEO-friendly structure — semantic headings, FAQ/HowTo/Article schema.

Content Standards & Update Cadence

• Primary sources first: We cross-check program heuristics against official guidelines when possible.
• Plain-language summaries: Complex policies, simplified without losing accuracy.
• Update cadence: We revisit core pages quarterly or when guidelines shift.

Advertising & Affiliate Policy

• Ads help keep the calculator free. We separate ads from calculation results.
• Affiliate links (if any) are labeled. We don’t recommend products we wouldn’t use.
• See details on the Privacy page.

Data Ethics

• No selling user-entered data. The calculator runs locally in your browser.
• We avoid dark patterns and clearly label sponsored content.
• We welcome privacy questions at everydayroyalties@gmail.com.

Changelog

Community Guidelines

• Be respectful and constructive in feedback.
• No spam, scams, or harassment.
• Report bugs responsibly with steps to reproduce.

Independence & Conflicts

• We do not sell leads to lenders. When we reference loan programs, it’s for education only.
• Advertisers do not influence calculator logic or editorial coverage.
• If we ever publish sponsored content, it will be clearly labeled with the sponsor’s name and scope.

Quality Assurance Checklist

• ✅ Math parity: front/back-end formulas validated against sample cases.
• ✅ Accessibility: keyboard tab order, focus states, and label associations checked.
• ✅ Performance: lighthouse passes on mobile and desktop targets.
• ✅ SEO: canonical links, schema types (Article/FAQ/HowTo/QAPage), and sitemap entries verified.
• ✅ Content review: new guidance cross-checked against primary sources when applicable.

Methodology Transparency

Our calculator reflects commonly used underwriting math for educational purposes. Changes to the methodology are documented below.

Data Flow (At a Glance)

• Inputs: Income, housing, and debt rows entered by you in the browser.
• Processing: JavaScript computes front-end and back-end DTI locally.
• Storage: State saved to localStorage (dti_state_v2) for convenience.
• Sharing: Optional share URL encodes state in the query string (no server storage).

Third‑Party Dependencies

• Google AdSense (ads and measurement)
• Standard web platform features (localStorage, History API)
• No client libraries for analytics are required; if added later, we will update the Privacy page.

Uptime & Monitoring

• Static hosting with CDN edge caching for fast global loads.
• Automated checks on build to catch broken links and missing assets.
• We track basic availability; if you notice downtime, email us with your region and error message.

Environmental Footprint

We keep the site lightweight (no heavy frameworks) to reduce data transfer and energy use. Smaller pages load faster and are better for the planet.

User Research & Beta

Want to help shape new features? Join our lightweight beta list by emailing everydayroyalties@gmail.com with subject “Beta”. We occasionally run quick usability tests and send early builds.

Attribution & Credits

• Typography and icons are system defaults to keep performance high.
• Thanks to early testers who suggested front/back DTI split and payoff toggles.