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Debt-to-Income Calculator

Lenders rarely judge a single instalment in isolation; they add everything you already owe and compare the total with your income. That comparison — the debt-to-income ratio — decides whether a new loan is approved, declined or priced worse. This calculator returns your DTI, tests it against a limit you choose, and shows the instalment room still available.

Enter values

Salary before deductions, plus regular other income

Rent plus every EMI and card minimum you pay

Ceiling you want to stay under — lenders allow 40–50%

Results update as you type.

Results

Debt-to-income ratio
35%
Verdict
Within the 40% limit
Total EMIs the limit allows
₹48,000.00
Room left before the limit
₹6,000.00

How is the Debt-to-Income calculated?

Enter gross monthly income, then every fixed monthly commitment: rent, home and car EMIs, personal loan instalments and credit card minimums. The total divided by income gives your DTI percentage. Set the threshold — 40% is a sensible default — and the calculator also reports the total EMIs that limit allows and the room remaining before you cross it.

Formula

DTI = total monthly debt payments ÷ gross monthly income × 100. Maximum EMIs = gross monthly income × threshold% ÷ 100. Room = maximum − current debts. All three use gross pre-tax income, matching the fixed-obligation ratio Indian lenders apply.

Example

₹1,20,000 of gross monthly income against ₹42,000 of EMIs and rent gives 42,000 ÷ 1,20,000 × 100 = 35%. At a 40% threshold the ceiling is ₹48,000 of monthly obligations, leaving ₹6,000 of room — about one modest instalment and nothing more. Pushing the ratio past 50% puts the same borrower outside most lenders' tolerance.

Things to remember

A ratio under 40% keeps your options open; 40–50% is workable but tight, and above 50% new applications tend to fail. The fastest fixes are closing the smallest loan first and holding off new cards, since every cleared EMI returns its full instalment to your room. Re-check before applying — declined leaves a mark.

Frequently Asked Questions

Is a 35% debt-to-income ratio good?

Yes. Below 40% is comfortable and usually qualifies for the better rate bands, 40–50% is acceptable but leaves little slack, and above 50% most Indian lenders decline or cap the amount sharply. Rent counts as an obligation in many assessments, so include it for an honest figure.

Does rent count towards the debt-to-income ratio?

In many Indian assessments, yes — the full rent or a fixed share of it is treated as an obligation alongside your EMIs. Include rent here for the conservative number a lender may use, and drop it only if your lender confirms that housing costs are ignored.

How can I lower my DTI quickly?

Close the smallest outstanding loan first, because its entire instalment leaves the ratio at once. On ₹1,20,000 of income, clearing a ₹10,000 EMI drops DTI by 8.3 percentage points. Avoid taking new cards right before applying, and never reschedule an old loan to look current.

Do banks check DTI or credit score first?

Both, in sequence: a score near 750 keeps the file alive, then the obligation ratio decides the amount. A strong score cannot rescue a 60% DTI, and a clean ratio with a 620 score still attracts higher pricing. Pull your free credit report before you apply.

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