Debt-to-Income (DTI) Calculator

Calculate your DTI ratio and see if you meet lender requirements for a mortgage or loan.

Debt-to-Income Ratio

Monthly Debt Payments

Debt-to-Income Ratio

35%

Good

0% Excellent35% Good43% Max50%+

Total Monthly Debt

₹35,000

Disposable Income

₹65,000

• Below 35%: Lenders consider you low-risk

• 35–43%: Most banks will still lend

• Above 43%: Difficult to get new loans approved

Debt-to-Income Calculator Formula & How It Works

DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100%
  • Monthly debt = mortgage/rent + car + student + credit card minimum payments
  • Gross income = pre-tax monthly income
  • Front-end DTI: housing payment only ÷ income
  • Back-end DTI: all debt ÷ income (what lenders primarily use)

DTI measures how much of your gross income goes to debt. Lenders use back-end DTI (all debts) to assess repayment ability. A DTI below 36% is generally considered good; many conventional mortgages allow up to 43–50% DTI with compensating factors.

Debt-to-Income Calculator FAQs

What is a good debt-to-income ratio for a mortgage?

Most lenders prefer a back-end DTI below 43%. Below 36% is considered strong. FHA loans allow up to 50% DTI in some cases. The lower your DTI, the better your loan terms.

How can I lower my DTI?

Pay down existing debts (especially high-payment ones), increase your income, avoid taking on new debt before applying for a mortgage, and consider a smaller loan amount.

Does DTI affect my mortgage interest rate?

Yes. High DTI can result in higher rates, loan denial, or require a larger down payment. Lenders use DTI alongside credit score and LTV to determine your risk profile.

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