Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio and see what lenders see when you apply for a loan.
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Total household income before tax
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Monthly home loan payment (0 if none)
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Monthly vehicle loan payment (0 if none)
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Personal loan monthly payment (0 if none)
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Total minimum monthly payments across all credit cards
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Education loans, family borrowings with fixed repayments
Common questions
What DTI ratio do banks want to see?
Indian banks typically want total EMIs (including the new loan) to not exceed 40–50% of gross income. A DTI below 35% is seen as healthy and gets better terms. Above 50% most banks will decline additional loan requests. RBI also mandates banks consider overall debt obligations in lending decisions.
What is the difference between front-end and back-end DTI?
Front-end DTI: only housing costs (home loan EMI) as a % of income — typically should be under 28–30%. Back-end DTI: all debt payments (home loan + all other loans) as % of income — typically should be under 36–43%. Lenders look at both when evaluating home loan applications.
Does DTI include rent?
For home loan applications, yes — if you're renting while applying for a home loan, some lenders count rent as a recurring obligation. Once you buy and stop renting, the rent disappears from the calculation. Check with specific lenders on their policy.
How can I improve my DTI before applying for a loan?
Pay off smaller loans first to eliminate those payments entirely (even a ₹5,000 EMI gone changes DTI meaningfully). Avoid taking new loans in the 6 months before a major loan application. If possible, increase income (adds to denominator). Don't close credit cards before applying — that doesn't help DTI and hurts your credit score.
Does credit card balance affect DTI?
Yes, but banks use the minimum payment due (typically 5% of outstanding balance), not the full balance. If you always pay in full, your effective credit card DTI contribution is minimal. If you carry a balance, the minimum payment counts as a debt obligation in the DTI calculation.