Debt to Income Ratio Calculator
The debt to income ratio calculator divides your monthly debt payments by your gross monthly income (DTI = debts ÷ income × 100) and shows whether lenders will consider it healthy.
Last updated 2026-08-15
Embed on your site
Embed this calculator on your site:
<iframe src="https://calculopedia.darzh.xyz/embed/debt-to-income-calculator/" width="100%" height="700" style="border:0;border-radius:12px" loading="lazy"></iframe>
quizExample
How this calculator works, with real numbers (no JavaScript needed):
Inputs
- Gross annual income
- 1200000
- Monthly debt payments
- 30000
Results
- Debt-to-income ratio
- 30%
- Gross monthly income
- ₹1,00,000
- Monthly debt payments
- ₹30,000
- Income left after debts
- ₹70,000
- Lender outlook
- Good — most lenders approve comfortably
functionsThe formula
Your debt-to-income (DTI) ratio tells lenders how much of your income is already committed to debt — and therefore how much room you have for a new loan. It is the single most important number in mortgage and loan approval.
The formula
DTI = total monthly debt payments ÷ gross monthly income × 100
Include: loan EMIs, credit-card minimums, car loans, rent and alimony. Exclude utilities, insurance and groceries.
Worked example
Gross annual income ₹12,00,000 (₹1,00,000/month) with ₹30,000/month in debt payments:
DTI = 30,000 ÷ 1,00,000 × 100 = 30%
What lenders look for
| DTI | Outlook |
|---|---|
| Below 36% | Good — approvals are routine |
| 36–43% | Fair — at the typical mortgage ceiling |
| Above 43% | High — most lenders will say no |
Lowering your DTI
- Pay off high-EMI debts first — a small personal loan cleared makes a big dent.
- Increase income — a promotion or side income lowers the ratio.
- Avoid new credit before applying for a home loan — even small EMIs move the number.
Your DTI also determines the maximum EMI a bank will sanction: at 36%, for example, a ₹1,00,000 monthly income allows up to ₹36,000 in total EMIs.
helpFrequently asked questions
question_markHow do I calculate my debt-to-income ratio?
Divide your total monthly debt payments (EMIs, credit cards, rent) by your gross monthly income and multiply by 100. Monthly income = annual income ÷ 12.
question_markWhat is a good debt-to-income ratio?
Below 36% is considered good and generally passes loan approvals. Between 36–43% is the typical ceiling for mortgages, and above 43% will be difficult to approve.
question_markWhat counts as debt in the DTI calculation?
Recurring obligations: loan EMIs, credit-card minimum payments, auto loans, rent and alimony. Not counted: utilities, groceries, insurance and discretionary spending.
question_markHow can I lower my DTI quickly?
Pay off smaller high-interest debts first, increase income, and avoid taking on new loans before a major application. Every reduction in monthly EMIs directly improves the ratio.