Debt-to-Income Ratio Calculator

See what share of gross monthly income goes to debt obligations — educational estimate only.

Monthly debt obligations (₹)

Include loan EMIs, credit-card minimums, and similar recurring debt payments.

Gross monthly income (₹)

Results (estimate)

DTI: 0%

Remaining income: ₹0

Band: —

What is debt-to-income (DTI) ratio?

DTI compares monthly debt payments to gross monthly income. Lenders and planners sometimes use it as one signal of payment burden. Thresholds vary by product and lender; bands below are educational only.

Formula

DTI % = (Monthly debt obligations ÷ Gross monthly income) × 100
Remaining income = Gross monthly income − Monthly debt obligations

Example

Debts ₹25,000 and gross income ₹80,000 → DTI = 31.25%, remaining ₹55,000. Under common educational bands, that may fall in a “generally comfortable” range (under 36%) — not a lending decision.

FAQ

What do the bands mean?

Under 36%: generally comfortable · 36–43%: caution · above 43%: high. These are simplified educational labels, not advice or underwriting rules.

Gross or take-home?

This calculator uses gross monthly income. Using take-home pay would produce a higher (stricter) ratio.

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