Calculate your debt-to-income ratio and see how lenders may view it.
DTI = total monthly debt payments ÷ gross monthly income. ₹40,000 of debt payments on ₹1,00,000 income is a 40% DTI — near the limit many lenders accept.
Your debt-to-income (DTI) ratio shows how much of your income goes to debt. Lenders use it to judge whether you can afford a new loan — in India a similar measure is called FOIR (fixed obligations to income ratio). Enter your gross monthly income and your monthly debt payments to see both the front-end (housing) and back-end (all debts) ratios.
A lower DTI means more borrowing room. Most lenders prefer a back-end ratio of 36% or less and rarely go above 43–50%. Use the House Affordability Calculator to turn your DTI into a loan size, or the Debt Payoff Calculator to bring it down.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Gross monthly income | ₹1,00,000.00 |
| Total monthly debt payments | ₹40,000.00 |
| Front-end ratio (housing only) | 25% |
| Back-end ratio (all debts) | 40% |
| Assessment | Acceptable — near the limit most lenders allow |
| Debt payments at 36% of income | ₹36,000.00 |
| Room left before reaching 36% | ₹0.00 |
| Case | DTI |
|---|---|
| Debts ₹20,000 | 20% |
| Debts ₹40,000 | 40% |
| Debts ₹50,000 | 45% |
| Debts ₹60,000 | 60% |
| Income ₹1,50,000, debts ₹40,000 | 26.67% |
The percentage of your gross monthly income that goes to debt payments.
36% or less is generally considered good; many lenders accept up to about 43–50% depending on the loan.
Fixed Obligations to Income Ratio — the Indian equivalent of DTI, commonly capped by lenders at about 40–50%.
EMIs on home, car, personal and education loans, plus credit card minimum payments and other fixed obligations. Everyday expenses like groceries do not count.
Gross (before tax and deductions) income is the usual basis.
Pay off or consolidate debts, avoid new borrowing, or increase your income.
It uses the standard formula: back-end DTI = total monthly debt payments ÷ gross monthly income × 100 The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
