What It Does
Calculates debt-to-income ratio and estimates additional EMI room at your target DTI.
Debt-to-Income (DTI) Calculator
Check how much of your monthly income is already committed to debt. DTI is a key signal for repayment health and borrowing readiness.
- Fast DTI ratio estimation
- Helps identify safe new EMI room
- Useful before loan applications
DTI Benchmarks
Typical interpretation bands used for planning:
- Up to 35%: healthy zone
- 36% to 50%: caution zone
- Above 50%: high debt pressure
DTI inputs
Keep debt payments within sustainable limits for better flexibility.
DTI output
Debt-to-Income Ratio--
Risk Band--
Additional EMI Capacity--
Use this with eligibility and EMI calculators for better planning.
How to Enter Inputs Correctly
Keep income and debt entries monthly so DTI ratio remains accurate.
How to Enter
Enter gross monthly income and total monthly debt payments including all EMIs.
How to Read
Lower DTI indicates better repayment health and borrowing flexibility.
Calculator FAQ
Is lower DTI always better?
Generally yes, because it leaves more room for future obligations and emergencies.
Should rent be included in debt?
No, rent is not debt EMI, but keep it in mind while checking affordability.
Can DTI alone decide loan approval?
No. Lenders evaluate score, documents, and profile in addition to DTI.