Debt-to-Income (DTI) Ratio Calculator
Calculate your Debt-to-Income (DTI) ratio to check your financial health and loan eligibility. Banks and lenders use DTI to decide home loans, personal loans, and credit approvals.
What Is Debt-to-Income (DTI) Ratio?
Debt-to-Income ratio (DTI) is the percentage of your monthly income that goes toward paying debts. It is one of the most important factors used by banks, lenders, and mortgage companies to evaluate loan eligibility.
DTI Formula
DTI = (Total Monthly Debt ÷ Monthly Gross Income) × 100
Example
Monthly Income = ₹50,000
Monthly Debt = ₹15,000
DTI = 30%
What Is a Good DTI Ratio?
- Below 36% – Excellent
- 36% – 43% – Acceptable
- Above 43% – High risk
Why DTI Matters?
- Home loan & mortgage approval
- Personal & car loan eligibility
- Credit card approval
- Overall financial health