What percentage of your income goes to debt payments, and what that means for borrowing.
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Your debt-to-income (DTI) ratio compares your monthly debt payments with your gross monthly income. Lenders use it to judge whether you can take on more credit.
Enter your total monthly debt payments and gross income to see your DTI as a percentage.
| Total Monthly Debt Payments | ₹20,000 |
| Monthly Gross Income | ₹75,000 |
| Debt-to-income ratio | 26.7% |
| Rating | Good |
| EMIs at 36% of income | ₹27,000 |
| Room for new EMIs (up to 36%) | ₹7,000 |
| Room for new EMIs (up to 50% FOIR used by Indian banks) | ₹17,500 |
DTI 26.7% — Good.
| Total Monthly Debt Payments | ₹45,000 |
| Monthly Gross Income | ₹90,000 |
| Debt-to-income ratio | 50% |
| Rating | High |
| EMIs at 36% of income | ₹32,400 |
| Room for new EMIs (up to 36%) | ₹0 |
| Room for new EMIs (up to 50% FOIR used by Indian banks) | ₹0 |
| EMIs to cut to reach 36% | ₹12,600 a month |
DTI 50% — High.
Below 36% is generally considered healthy. Many lenders prefer 40% or less.
Loan EMIs and minimum credit card payments. Everyday expenses like groceries are not included.
Pay down debt, avoid new loans, or increase your income.
Add all monthly EMIs and minimum card payments, divide by gross monthly income and multiply by 100.