Debt-to-Income Ratio Calculator
Calculate what share of your income goes toward debt repayments.
Debt-to-Income Ratio
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What is a Debt-to-Income Ratio Calculator?
A debt-to-income (DTI) ratio calculator shows what percentage of your gross monthly income goes toward debt repayments — EMIs, credit card minimum payments, and other loan obligations. It is one of the primary measures lenders use to judge how much additional credit you can safely take on.
As a general guideline, under 36% is considered healthy, 36-43% is moderate, and above 43% is considered high risk by most lenders — these are common industry rules of thumb, not fixed regulatory limits.