Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio, a key measure lenders use to assess you.
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₹0₹10,00,000
Debt-to-income ratio
30.0%
Category
HealthyYour debt-to-income ratio is 30.0% — healthy, which lenders generally view favorably.
How this calculator works
Your debt-to-income (DTI) ratio compares your monthly debt obligations to your gross monthly income — a key number lenders use to judge how much additional credit you can safely handle: DTI % = (Monthly Debt Payments ÷ Monthly Gross Income) × 100.
Worked example:₹30,000 in monthly debt payments against ₹1,00,000 in monthly gross income gives a DTI of 30% — comfortably in the “healthy” range most lenders look for.
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