> ## Documentation Index
> Fetch the complete documentation index at: https://docs.txcloud.thetekcircle.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Calculate DTI



## OpenAPI

````yaml openapi/lending.yaml post /lending/dti/calculate
openapi: 3.0.3
info:
  title: TXCloud LendingRisk API
  version: 1.0.0
  description: |
    Credit risk assessment and affordability analysis for lending decisions.
    Aggregates data from bank statements, bureaus, and alternative sources.
servers:
  - url: https://api.txcloud.io/v1
  - url: https://sandbox.api.txcloud.io/v1
security:
  - BearerAuth: []
tags:
  - name: Assessment
    description: Credit assessment endpoints
  - name: Income
    description: Income verification
  - name: Statements
    description: Bank statement analysis
  - name: Monitoring
    description: Borrower monitoring
  - name: Models
    description: Scoring models
  - name: Analytics
    description: Portfolio analytics
paths:
  /lending/dti/calculate:
    post:
      tags:
        - Income
      summary: Calculate DTI
      operationId: calculateDTI
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                monthly_income:
                  type: number
                monthly_debts:
                  type: number
                proposed_payment:
                  type: number
      responses:
        '200':
          description: DTI calculation
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer

````