Debt-to-Income (DTI) Ratio Calculator
This debt-to-income (DTI) calculator shows what percentage of your gross monthly income goes toward debt payments — a number lenders use heavily when deciding how much you can borrow for a home loan or any other loan. Enter your income and debt payments to see your ratio and how it compares to common lending thresholds.
Your income before tax and deductions.
Minimum payments on all debts: home loan or rent, car loans, education loans, credit cards, personal loans.
Debt-to-income ratio
सेव करने के लिए लॉग इन करें28.75%
Your total monthly debt payments as a percentage of your gross monthly income.
Frequently asked questions
Does DTI include my rent or home loan EMI?+
Yes — housing costs (rent, or home loan EMI covering principal and interest) count as a debt payment in the standard 'back-end' DTI calculation this calculator uses.
What's a 'good' DTI ratio?+
Below 36% is generally seen as healthy by most lenders. 36-43% is still workable for many loan types but leaves less room to qualify for the best rates. Above 43% starts to limit options with many traditional lenders, though this varies by loan program.
Does a high DTI hurt my credit score?+
No — DTI isn't a factor in your credit score (such as your CIBIL score) itself, but it directly affects whether lenders will approve you for new credit and at what rate, independent of your score.