Free Debt-to-Income (DTI) Ratio Calculator
DTI is the first metric every lender computes on a loan application. It tells them what share of your monthly income is already committed to debt. This calculator adds up every EMI, rent and minimum-due, divides by income and returns a color-coded rating.
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Disclaimer: This calculator provides estimates only and does not constitute financial advice. Actual loan terms may vary by lender.
About the Debt-to-Income Calculator
The DTI formula
DTI (%) = (Total Monthly Debt Payments / Gross Monthly Income) × 100. Include every EMI, credit-card minimum due, rent (in most markets), and any other recurring debt. Exclude utilities, groceries and other non-debt expenses.
How lenders read the number
Under 33% is comfortable — most lenders approve without extra scrutiny. 33–50% requires stronger justification (higher income, collateral, guarantor). Above 50% is usually declined for unsecured loans.
Improving DTI before you apply
Two levers: pay down or close the smallest debts to reduce the numerator, or increase documented income (a raise, a side business). Closing an unused credit card can also help — the minimum due disappears from the calculation.
Frequently asked questions
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