Debt-to-Income (DTI) Calculator
See what share of your gross monthly income goes to debt repayments.
Income before deductions.
All EMIs, card minimums and other loan payments.
Quick examples
₹30,000 of monthly debt on ₹1,00,000 gross income.
What each result means
DTI
What it is: Debt payments ÷ gross income.
Your value: 30.0%
Lower means more room in your budget.
Income left after debt
What it is: Income minus debt payments.
Your value: ₹70,000
For all other spending and saving.
Debt at a 40% DTI
What it is: The payment level that would give 40% — an illustrative reference, not a rule.
Your value: ₹40,000
Lenders set their own limits.
Year-by-year breakdown
| Scenario | Monthly debt (₹) | Income (₹) | DTI | Income left (₹) |
|---|---|---|---|---|
| Debt −20% | ₹24,000 | ₹1,00,000 | 24.0% | ₹76,000 |
| Debt −10% | ₹27,000 | ₹1,00,000 | 27.0% | ₹73,000 |
| Debt +10% | ₹33,000 | ₹1,00,000 | 33.0% | ₹67,000 |
How to read this: the rows show your DTI now and if debt payments were lower or higher.
Showing the first 3 of 5 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator divides your monthly debt payments by your gross monthly income to give the debt-to-income ratio lenders use to judge repayment capacity.
What your result means
The ratio is simple arithmetic. Each lender decides what level it accepts.
Formula
1. DTI
Symbols
- Debt
- All monthly loan and card payments
Worked example
₹30,000 ÷ ₹1,00,000 = 30%.
Working for your numbers
- DTI = ₹30,000 ÷ ₹1,00,000 × 100 = 30.00%
Frequently asked questions
Is there an official DTI limit in India?
No single regulatory DTI limit applies to all loans; lenders set their own (often expressed as FOIR on net income).
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- Debt
- Monthly debt payments
- Income
- Gross monthly income
- Uses gross (pre-tax) income.
- Rent and living costs are not counted as debt.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
- Reserve Bank of India — Master Directions & Fair Practices Code for Lenders
- RBI — Key Facts Statement for loans & advances (2024)
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How it works
Adds your monthly debt repayments and divides them by your gross monthly income.
The formula
DTI = Total monthly debt payments ÷ Gross monthly income × 100- DTI
- Debt-to-income ratio (%)
Worked example
₹30,000 of EMIs on a ₹1,00,000 gross monthly income gives a DTI of 30%.
Pro tips
- Lenders set their own DTI limits; this shows the numbers only.
Common mistakes
- Using take-home pay instead of gross income.
Go deeper
Related lessons
Concepts to explore
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.