Debt-to-Income Ratio Calculator Philippines — Tax Year 2025
Calculate your debt-to-income ratio and see what lenders see when you apply for a loan. For Philippines. Uses current Tax Year 2025 data.
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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 — Philippines
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.