Finance & Investment · Planning
Debt-to-Income (DTI) Ratio Calculator
Add up your monthly EMIs, rent and card payments to get your debt-to-income ratio (DTI), your housing ratio, how lenders are likely to see it, and how much room you have before reaching common lending limits.
Also listed inLoans & Debt
Your inputs
Quick start — try a typical case
₹ 1.2 lakh
US-style DTI uses gross income; Indian banks' FOIR usually uses net take-home.
₹ 30 thousand
₹ 9 thousand
₹ 3 thousand
Your result Live
Debt-to-Income Ratio — Healthy
35.0%
₹42,000 of debt payments on ₹1,20,000 gross income a month
- Housing Ratio (home EMI or rent)
- 25.0%
- Total Monthly Debt Payments
- ₹42,000
- Room Before a 50% Limit
- ₹18,000 a month of extra EMI
- Left After Debt Payments
- ₹78,000
- What It Means
- Comfortable: lenders see room for more credit, and you have room to save.
- Home Loan or Rent · 25%₹30,000
- Vehicle Loan · 8%₹9,000
- Credit Card Minimum · 3%₹3,000
- Rest of income · 65%₹78,000
How this is calculated
DTI = Total monthly debt payments ÷ Monthly income × 100 · Housing ratio = Home EMI or rent ÷ Monthly income
- Debt payments
- EMIs, rent (for the housing ratio), card minimums and other required payments
- FOIR
- Fixed Obligations to Income Ratio — Indian banks' version, usually on take-home pay
Lenders use DTI to judge whether you can take on another loan. Under about 35 % is generally comfortable; 36–43 % is acceptable to many lenders; above 50 % is a warning sign. Indian banks apply a similar FOIR test, typically allowing total EMIs of 50–60 % of take-home pay depending on income.
Assumptions & sources
- Bands: ≤ 35 % healthy, 36–43 % manageable, 44–50 % high, above 50 % risky — common lender rules of thumb, not a guarantee of approval.
- Rent is included as a housing payment because it competes with EMIs for the same income.
- 1What is a debt-to-income ratio? — Consumer Financial Protection Bureau (CFPB)
- 2Fair Practices Code for lenders — assessment of repayment capacity — Reserve Bank of India
Calculator ID FIN-PLAN-DTI-001 · version 1.0.0
Common questions
What is a good DTI ratio?
Below about 35 % is considered healthy. Many lenders accept up to 43 %; above 50 % makes new credit hard to get and leaves little room for saving.
What is FOIR?
Fixed Obligations to Income Ratio — the share of your net monthly income already committed to EMIs and similar obligations. Indian banks commonly cap it at 50–60 % when deciding how much more you can borrow.
Do I include utility bills?
No. DTI counts debt and housing payments only. Day-to-day expenses belong in a budget — try the Budget Planner.