This debt to income calculator will assist you in estimating your monthly income for mortgage preapproval and determining the debt to income ratio. The first step to prequalify for a mortgage loan is to calculate your monthly income. Mortgage companies and loan underwriters will look at your monthly income from a variety of angles. The following prequalification calculator will convert hourly, twice monthly, bimonthly, and year to date income to monthly income. The monthly debt page will add up the monthly obligations. The pre-qualification tutorial will guide you through the operation of the calculator. Please send me an E-mail if you see an error or want to make a comment.