Debt-to-Income Ratio Calculator
Calculate your DTI ratio and understand your financial health
Total Monthly Income
₹0
Total Monthly Debt
₹0
DTI Ratio
0%
Your DTI Status
Enter your income and debt details to calculate your DTI ratio
About Debt-to-Income Ratio
The Debt-to-Income (DTI) ratio is a crucial financial metric that lenders use to evaluate your ability to manage monthly payments and repay debts. It's calculated by dividing your total monthly debt payments by your gross monthly income, expressed as a percentage.
A lower DTI ratio indicates better financial health and increases your chances of loan approval. Most lenders prefer a DTI ratio of 36% or less, with 43% being the maximum ratio typically accepted for qualified mortgages.
How to Use the DTI Calculator
Enter Your Income
Input your monthly salary and any additional sources of income
Add Your Debts
Include all monthly debt payments including loans and credit cards
Calculate DTI
Get your DTI ratio and understand your financial health
Interpret Results
Understand your DTI status and get personalized recommendations
Benefits of Monitoring DTI
Loan Approval
Improve your chances of getting approved for loans and credit
Financial Health
Better understand and manage your financial situation
Better Rates
Qualify for better interest rates on loans and credit cards
Savings
Identify opportunities to reduce debt and increase savings
Key Features
Debt-to-Income Ratio for Home Loans in India
Indian banks assess loan eligibility using FOIR (Fixed Obligation to Income Ratio), closely related to DTI. Most lenders cap total EMIs (existing + proposed home loan) at 50–60% of net monthly income, though PSU banks may be stricter for self-employed applicants. A DTI below 40% generally improves approval odds and leaves room for SIPs and insurance.
Worked example — Chennai, ₹1.2 lakh net salary: Existing car EMI ₹12,000, personal loan ₹8,000, credit card minimums ₹3,000 → monthly debt = ₹23,000. DTI = 23,000 ÷ 120,000 = 19.2%. If the bank allows 55% FOIR, you could take new EMIs up to ₹66,000 − ₹23,000 = ₹43,000/month — roughly a ₹45–50 lakh home loan at 8.5% for 20 years (use our Loan Calculator for exact figures).
What counts as debt: All EMIs, lease rentals reported to credit bureaus, and sometimes expected rent if you are co-applicant on a family loan. It usually excludes utility bills and insurance premiums unless they are BNPL/EMI schemes on your credit report.
Improving DTI before applying: prepay personal loans, close unused credit cards with high limits, show additional income (rent, spouse co-applicant), or increase down payment to reduce the proposed EMI.
Guide by our Tools Editor. Read our Home Loan Guide for India and use Home Affordability Calculator next.