Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio and see how lenders are likely to view your current debt load.
- Free to use
- Accurate results
- No registration required
- Works on all devices
Enter your monthly debt payments and gross income to calculate your debt-to-income ratio.
₹
₹
Your result
20.00%
Debt-to-income ratio
CategoryHealthy
AI explanation
Formula
DTI = total monthly debt payments / gross monthly income × 100Worked example
₹20,000 debt payments, ₹1,00,000 income
| Field | Value |
|---|---|
| Total monthly debt payments | 20000 |
| Monthly gross income | 100000 |
| Debt-to-income ratio | 20 |
| Category | Healthy |
Assumptions
- Uses commonly cited lender bands (<=36% healthy, 36-43% manageable, >43% high risk) — exact thresholds vary by lender and loan type.
- Include all fixed debt obligations (EMIs, credit card minimums, etc.), not just the loan you're applying for.
- Informational only.
Frequently asked questions
What is a good debt-to-income ratio?
Generally, 36% or below is considered healthy by most lenders, 36-43% is manageable but may limit further borrowing, and above 43% is considered high risk.
Why do lenders care about my DTI ratio?
It's a key indicator of your ability to take on and repay additional debt — a high DTI suggests less room in your budget for a new loan payment.
How can I improve my DTI ratio?
Either pay down existing debt to reduce your monthly obligations, or increase your income — both lower the ratio and improve your borrowing capacity.
Related calculators
Sources
- Master Circular on customer service and fair practices code — Reserve Bank of India. Effective 01-07-2015, reviewed 13-09-2026.
This calculator provides a general estimate only and does not constitute financial advice.
Report a calculation issue