Financial Calculators
Debt-to-Income Ratio Calculator
One number tells you, and every lender, how much of your income the EMIs have claimed.
Your debt-to-income ratio
37.5%
Manageable
- Free income after EMIs
- ₹75,000
Lenders generally like total EMIs within 40-50% of income. Below 30% is comfortable; above 50% squeezes both living costs and investing. Rent is not an EMI but budget for it separately.
The ratio lenders look at first
Debt-to-income (DTI) is simply all monthly loan obligations divided by take-home income. Below 30% is comfortable; 30-40% is manageable; 40-50% is stretched, and lenders begin declining fresh credit; beyond 50% the household is overleveraged and one shock away from trouble.
The healthiest use of this number is preventive: check it before taking the next loan, not after.
The ratio
DTI = total monthly EMIs / take-home income x 100Worked example: a take-home of Rs 1,20,000 with EMIs totalling Rs 45,000 gives a DTI of 37.5%, in the Manageable zone, leaving Rs 75,000 of free income each month.
Frequently asked questions
Does rent count in DTI?
Lenders typically count only loan EMIs and card obligations, not rent. But for your own budgeting, rent plus EMIs together should still leave room for saving.
What DTI do banks want for a home loan?
Most lenders cap total obligations, including the proposed EMI, around 50-60% of income (their FOIR norms). A DTI comfortably below 40% before applying keeps approvals smooth.
How do I bring my DTI down?
Close the smallest or costliest loans first, avoid converting purchases into EMIs, and let increments raise income while obligations stay flat.
Is zero debt the goal?
Not necessarily. A well-priced home loan can coexist with wealth building. The goal is EMIs that never crowd out investing and emergencies.
Know the number before the bank does.
A healthy DTI is the foundation for every big-ticket plan.