Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from monthly debt payments and income.
Assumptions used in this calculation
- Income basis: Uses gross (pre-tax) monthly income, matching how most lenders calculate DTI, not net take-home pay.
- What counts as debt: Include minimum payments on loans, credit cards and other recurring debt, lenders evaluating a new housing loan typically also include your prospective mortgage payment.
About this calculator
The debt-to-income (DTI) calculator finds what percentage of your gross monthly income goes toward debt payments, a key metric lenders use to assess loan eligibility and financial health.
Worked example
₹15,000 monthly debt payments, ₹60,000 monthly income
Result: DTI = 25% (Manageable)
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