JOEY is the personal AI sales system for the individual car salesperson. It keeps every lead warm, replies in your voice, and runs your outreach, calls, texts, emails, follow-up, and compliance in one place.

JOEY is for the individual car salesperson who wants to be the top performer at their dealership, not for the dealership itself.

Does JOEY work with my CRM?

Yes. JOEY works alongside the CRMs dealerships already use, including Tekion and DriveCentric, with no rip and replace.

Is JOEY TCPA compliant?

Yes. JOEY respects TCPA quiet hours and honors opt-outs automatically across every channel.

Deal Math

Debt to Income Calculator

What does the Debt to Income Calculator do?

Show a buyer their debt to income ratio and how much room is left for a payment. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Try it now

Debt to income calculator.

Add up the debts a lender counts and see the debt to income ratio before you send the deal to finance.

Gross monthly income

Before taxes

Housing payment

Rent or mortgage

Other monthly debts

Card minimums, student and other loans

New car payment

The payment being added

Debt to income

49.0%

Tight, expect conditions.

Gross monthly income: $5,000
Housing: $1,500
Other debts: $400
New car payment: $550
Total monthly debt: $2,450
Front end (housing only): 30.0%
Room for a car payment under 43%: $250

Auto lenders usually want total monthly debt at or under 43 to 50 percent of gross income, with the best terms under 36 percent. This is a guide, not a credit decision.

How to use it

Enter your numbers or details in the tool above.
Read the result instantly, no signup and nothing to install.
Use it live with your customer to build trust and move the deal.

Common questions

What is the Debt to Income Calculator?

Show a buyer their debt to income ratio and how much room is left for a payment. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Debt to Income Calculator free?

Yes. The Debt to Income Calculator is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.

Who is the Debt to Income Calculator for?

It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

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Want JOEY to do the work for you?

These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.

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