Start free

Mortgage & Home Loans · Mortgage Analysis

Mortgage Required Income Calculator

Find the minimum annual income you need to qualify for a given mortgage.

  • Free to use here · embed on the Free plan
  • 7 inputs · 6 results
  • English & Spanish

Try the Mortgage Required Income Calculator

See the income you need to qualify — results update as you type.

Loading the live calculator…

Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Mortgage Required Income calculator works out

The Mortgage Required Income Calculator is a free, embeddable calculator from CalcFunnel. Find the minimum annual income you need to qualify for a given mortgage.

You enter 7 inputs: loan amount, interest rate (%), loan term (years), annual property tax, annual home insurance, other monthly debts and max qualifying DTI (%).

It returns required annual income, required monthly income, total monthly payment (PITI), monthly debts included, max qualifying DTI and housing ratio at this income.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Required Annual Income
  2. 02Required Monthly Income
  3. 03Total Monthly Payment (PITI)
  4. 04Monthly Debts Included
  5. 05Max Qualifying DTI
  6. 06Housing Ratio at This Income

The first figure — required annual income — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Details

Loan Amount
The total amount you plan to borrow.
Interest Rate (%)
The annual interest rate on the loan.
Loan Term (years)
The full repayment term of the loan in years.

Costs & Debts

Annual Property Tax
Yearly property tax on the home. Counted toward your monthly housing payment (PITI).
Annual Home Insurance
Yearly homeowners insurance premium. Counted toward your monthly housing payment (PITI).
Other Monthly Debts
Monthly payments on car loans, student loans, credit cards, and other recurring debt. Lenders add these to your housing payment when assessing qualification.
Max Qualifying DTI (%)
The maximum share of gross monthly income a lender allows for total debt. 43% is a common conforming-loan limit; some programs allow more.

For your website

Embed this calculator on your website

Put the Mortgage Required Income Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Mortgage Required Income calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Mortgage Required Income Calculator calculate?
Find the minimum annual income you need to qualify for a given mortgage. It returns required annual income, required monthly income, total monthly payment (PITI), monthly debts included, max qualifying DTI and housing ratio at this income.
Q.02What information do I need to use the Mortgage Required Income Calculator?
You enter 7 inputs: loan amount, interest rate (%), loan term (years), annual property tax, annual home insurance, other monthly debts and max qualifying DTI (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the Mortgage Required Income Calculator?
The total amount you plan to borrow.
Q.04What does “Interest Rate (%)” mean in the Mortgage Required Income Calculator?
The annual interest rate on the loan.
Q.05Is the Mortgage Required Income Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Mortgage Required Income Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Mortgage Required Income Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Mortgage Required Income results financial advice?
No. Estimates only. Lenders weigh credit score, down payment, loan program, and other factors beyond debt-to-income. Get a pre-qualification from a licensed lender for an accurate figure.

Related mortgage & home loans calculators

All 43 in Mortgage & Home Loans

Your website does the math. You get the lead.

The Mortgage Required Income Calculator is one of 188 calculators you can brand and embed with one line of code.

Start free Compare plans
  • Free plan, no card
  • 14-day trial on Pro & Business
  • Cancel any time