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
Debt-to-income ratio is one of the first numbers a lender computes when reviewing your loan application, yet most borrowers never calculate it themselves before applying, so they find out only after a rejection or a lower-than-expected approved amount. The calculation itself is simple, total monthly debt payments divided by gross monthly income, but knowing your own number in advance, and how it compares to common lender thresholds, lets you gauge loan eligibility or identify which existing debts to pay down before applying for new credit. This calculator takes your total monthly debt obligations (loan EMIs, credit card minimums, and similar recurring debt payments) and your gross monthly income, and returns the DTI percentage along with a read on whether that ratio falls in a manageable, cautious or risky range based on common lending benchmarks.
Worked example
₹15,000 monthly debt payments, ₹60,000 monthly income
Result: DTI = 25% (Manageable)
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