Debt Analysis

Debt-to-Income Ratio Calculator

Understand your financial health by calculating your debt-to-income ratio. Find out if you're in a good position to take on new debt or need to reduce existing obligations.

Enter Your Financial Details

Fill in your monthly income and debt obligations

Monthly Income

Gross Monthly Income (₹)

₹

Your total monthly income before taxes

Bonus / Commission (Monthly Average) (₹)

₹

Average monthly bonus or commission income

Other Monthly Income (₹)

₹

Rental income, freelance, investments, etc.

Monthly Debt Payments

Mortgage / Rent Payment (₹)

₹

Auto Loan EMI (₹)

₹

Personal Loan EMI (₹)

₹

Credit Card Debt (Monthly Minimum Payment) (₹)

₹

Education Loan EMI (₹)

₹

Other Debt Payments (₹)

₹

Your Debt-to-Income Ratio

Enter your income and debt details to see your DTI ratio and financial health assessment.

Front-end & Back-end DTI Financial health rating Debt management recommendations

What is DTI Ratio?

DTI = (Total Monthly Debt / Gross Monthly Income) × 100
Front-end DTI: Housing expenses only
Back-end DTI: All debt obligations

DTI Benchmarks

Excellent: Below 28% (Front-end) / 36% (Back-end)
Good: 28-36% / 36-43%
Needs Improvement: Above 36% / 43%