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Debt-to-Income (DTI) Ratio Calculator

Wondering if you can afford a mortgage—or how lenders see your financial profile? The Debt-to-Income (DTI) Ratio Calculator helps you measure the percentage of your income that goes toward debt, giving you a clearer picture of your borrowing power and financial health.




Debt-to-Income Ratio Calculator

Your DTI Ratio

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What is the Debt-to-Income (DTI) Ratio Calculator

The Debt-to-Income (DTI) Ratio Calculator is a financial tool that helps you evaluate how much of your monthly income is consumed by debt payments. Lenders use this ratio to determine your ability to take on and manage additional loans, especially mortgages

Your DTI ratio includes all recurring monthly debts such as credit cards, auto loans, student loans, and existing mortgages, compared against your gross monthly income.

This calculator is essential whether you’re applying for a mortgage, refinancing, or simply doing a financial health check

A lower DTI indicates stronger borrowing power, while a higher DTI may limit your loan options or trigger higher interest rates. Understanding your DTI can help you plan, reduce debt, and qualify for better financial products.




How it works

The Debt-to-Income (DTI) Ratio Calculator Works

To use the calculator, you enter all your recurring monthly debt payments—such as car loans, student loans, personal loans, minimum credit card payments, and current mortgage or rent. Then, you input your gross (pre-tax) monthly income.

The tool divides your total monthly debt by your gross monthly income and multiplies the result by 100 to express your DTI ratio as a percentage.

For example, if your monthly debt is ₹50,000 and your income is ₹1,50,000, your DTI ratio would be 33%. Most lenders prefer a DTI ratio below 36%, with no more than 28% going toward housing expenses alone.

By seeing where you stand, this tool can help you understand what kind of mortgage you may qualify for or how much debt reduction you need to improve your financial profile before applying.



Frequently Asked Questions

What is a good DTI ratio for getting a mortgage Toggle
Generally, a DTI ratio below 36% is considered ideal, with 28% or less allocated to housing expenses. Some lenders may allow higher DTIs with strong credit.
Does DTI include all bills or only debt payments Toggle
It includes all recurring debt payments—like loans and credit cards—but not everyday expenses such as groceries, utilities, or subscriptions.
Why is DTI important for mortgage approval Toggle
Lenders use it to assess your ability to manage new debt. A high DTI may indicate that you’re overextended and pose a higher lending risk.
Can I improve my DTI ratio Toggle
Yes. You can lower your DTI by paying down existing debts, increasing your income, or avoiding taking on new loans before applying for a mortgage.
Is DTI the same as credit score Toggle
No. Your DTI measures your debt compared to income, while your credit score reflects your payment history, credit usage, and creditworthiness