Debt-to-Income Ratio Calculator
Calculate your monthly debt-to-income ratio and understand how your existing debt obligations compare with your income.
Enter Income & Debt Details
Monthly Gross Income₹1,00,000
Use regular monthly gross income before income-tax deductions.
Existing Loan EMIs₹25,000
Include monthly EMIs for home, personal, vehicle, education and other loans.
Credit Card / Other Monthly Debt₹5,000
Include other recurring monthly debt payments you want to consider.
Target DTI Threshold40%
Used only as an indicative comparison. Lender thresholds vary.
Your DTI Result
Debt-to-Income Ratio30.00%
Total Monthly Debt₹30,000
Income Remaining₹70,000
Debt Capacity at Target₹40,000
Indicative Additional Debt Capacity₹10,000
DTI Level30.00%
0%20%40%60%80%+
Your DTI is below the selected target threshold.
Monthly Gross Income₹1,00,000
Existing Loan EMIs₹25,000
Other Monthly Debt₹5,000
Total Monthly Debt₹30,000
DTI Ratio30.00%
How DTI is calculated: DTI = Total Monthly Debt Payments ÷ Monthly Gross Income × 100. A lower DTI generally indicates that a smaller portion of income is committed to debt payments. This calculator is indicative only; lenders may use different income definitions, obligations, FOIR/DTI methods and eligibility criteria.
| Monthly Income | Target DTI | Total Debt at Target | Income Remaining |
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