Debt-to-Income Ratio Calculator
Calculate your DTI ratio and understand your financial health
Total Monthly Income
₹0
Total Monthly Debt
₹0
DTI Ratio
0%
Your DTI Status
Enter your income and debt details to calculate your DTI ratio
About Debt-to-Income Ratio
The Debt-to-Income (DTI) ratio is a crucial financial metric that lenders use to evaluate your ability to manage monthly payments and repay debts. It's calculated by dividing your total monthly debt payments by your gross monthly income, expressed as a percentage.
A lower DTI ratio indicates better financial health and increases your chances of loan approval. Most lenders prefer a DTI ratio of 36% or less, with 43% being the maximum ratio typically accepted for qualified mortgages.
How to Use the DTI Calculator
Enter Your Income
Input your monthly salary and any additional sources of income
Add Your Debts
Include all monthly debt payments including loans and credit cards
Calculate DTI
Get your DTI ratio and understand your financial health
Interpret Results
Understand your DTI status and get personalized recommendations
Benefits of Monitoring DTI
Loan Approval
Improve your chances of getting approved for loans and credit
Financial Health
Better understand and manage your financial situation
Better Rates
Qualify for better interest rates on loans and credit cards
Savings
Identify opportunities to reduce debt and increase savings