Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio, the first filter lenders apply to loans and credit cards, with the band you fall in.
Salary or business net monthly inflow
All current loan EMIs + card minimum dues
Estimate from EMI calculator
Regulatory view: DTI = (Existing EMIs + Proposed EMI) / Income. <36% excellent, 36–50% stretch, >50% high risk — lender may reject or hike rate.
How to use the Debt-to-Income Ratio calculator
- Enter your monthly income.
- Add all current EMIs and card minimum payments.
- Read your DTI and the band lenders put it in.
About this tool
DTI is total monthly EMIs divided by monthly income. Lenders use it (as FOIR) to decide whether you can carry another payment.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
What is a good debt-to-income ratio?
Under 36% is comfortable for most lenders; above 50% many will decline or reduce the amount.
How can I lower my DTI quickly?
Close a small loan, move a high-EMI loan to a longer tenure, or add a co-applicant's income.