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Debt-to-Income Ratio Calculator
Your monthly debts as a share of your gross monthly income — and what band that puts you in.
Debt-to-income ratio
Breakdown
This is an estimate only, a guide to how much of your income goes on debt — not lending advice.
How it works
Total monthly debts = rent + loan + credit card + other DTI = total monthly debts ÷ gross monthly income × 100
Worked example: ₹30,000 + ₹10,000 + ₹5,000 + ₹0 = ₹45,000 of monthly debts on ₹1,00,000 of income, so DTI = ₹45,000 ÷ ₹1,00,000 × 100 = 45%, in the high band. With debts of ₹20,000 on the same income, DTI = 20%, in the low band.
Frequently asked questions
What counts as a monthly debt?
Rent or mortgage, loan payments, credit card payments and any other fixed monthly debt. Everyday spending on food or transport is not a debt, so leave it out.
What is a good debt-to-income ratio?
As a rough guide, under 36% is low, 36–43% is moderate and over 43% is high. Lenders each use their own cut-offs, so treat these bands as a guide only.
Should I use gross or take-home income?
Gross income, before tax. That is the figure lenders usually ask for, and it keeps the ratio comparable.
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