Debt-to-Income Ratio Calculator
See what share of your income goes to recurring debt
payments, based on the income basis you choose.
Debt-to-Income Ratio Calculator
Monthly debt payments
Debt-to-Income Ratio (gross income)
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Total Monthly Debt
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Monthly Income
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Room at a 36% reference level
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Where your ratio sits (0% to 60%+)
Each debt as a share of income
Assumptions & method
- DTI = total monthly debt payments ÷ monthly income × 100. Annual income is divided by 12.
- The income basis you select (gross or net) is shown on the result. Compare ratios only on the same basis.
- Reference bands: below 20% lower, 20% to 35% moderate, above 35% up to 43% elevated, above 43% high. These are general guides, not a lender decision or advice.
- The 36% room figure is just an illustrative reference level. It is an estimate and not a limit set by any lender.
Itemised Debt Payments
| Debt | Monthly (₹) | % of Income | % of Total Debt |
|---|
What is a debt-to-income ratio?
Debt-to-income (DTI) ratio compares what you must pay each month toward debts with what you earn. A lower ratio means more of your income is free for saving and everyday life. The result depends heavily on whether you divide by gross income, which is before tax, or net income, which is take-home pay, so this calculator makes you choose and repeats the choice next to the result. The rating band is a neutral reading of the number and is not a prediction of any lender’s decision.