A tool that banks, lender and credits use in determining whether to grant a loan or credit. The bank, lender or creditor input your total income, then they input your total debt. The bank, lender or creditor then get a ratio or number which represents your debt. The bank, lender or creditor then uses this number in determining whether to grant a loan or credit and how much. Ideally they like that ratio or number to be at or around .37 to .45 In many cases .50 they will lend or give credit, however above.50 it becomes difficult to get a loan or credit. This app shows you your ratio or number, in addition it tells you how to lower you ratio or number. This tool can be used to get an idea what you can pre-qualify for when getting ready to purchase a home, refinancing, line of creit auto-loan, personal-loan or student-loan before completing an application