curl --request POST \
  --url https://api.iotools.cloud/v1/tool/debt-to-income-ratio-calculator \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "grossMonthlyIncome": "6000",
  "housingCost": "1500",
  "autoLoans": "350",
  "studentLoans": "250",
  "creditCardPayments": "100",
  "personalLoans": "0",
  "otherDebts": "0",
  "currency": "USD"
}
'

{
  "tool": "debt-to-income-ratio-calculator",
  "tool_version": "1.0.1",
  "outputs": {
    "summary": [
      {
        "metric": "Gross Monthly Income",
        "value": "$6,000.00"
      },
      {
        "metric": "Total Monthly Debt Payments",
        "value": "$2,200.00"
      },
      {
        "metric": "Front-End DTI (Housing Only)",
        "value": "25.0%"
      },
      {
        "metric": "Back-End DTI (All Debts)",
        "value": "36.7%"
      },
      {
        "metric": "DTI Rating",
        "value": "Fair"
      },
      {
        "metric": "Remaining Monthly Income",
        "value": "$3,800.00"
      }
    ],
    "qualification": [
      {
        "loan-program": "Conventional",
        "guideline-max-dti": "45.0%",
        "meets-guideline": "Yes",
        "monthly-debt-to-cut": "—"
      },
      {
        "loan-program": "FHA",
        "guideline-max-dti": "50.0%",
        "meets-guideline": "Yes",
        "monthly-debt-to-cut": "—"
      },
      {
        "loan-program": "VA",
        "guideline-max-dti": "41.0%",
        "meets-guideline": "Yes",
        "monthly-debt-to-cut": "—"
      },
      {
        "loan-program": "USDA",
        "guideline-max-dti": "41.0%",
        "meets-guideline": "Yes",
        "monthly-debt-to-cut": "—"
      },
      {
        "loan-program": "Jumbo",
        "guideline-max-dti": "43.0%",
        "meets-guideline": "Yes",
        "monthly-debt-to-cut": "—"
      }
    ]
  },
  "credits_used": 3,
  "credits_remaining": null
}