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Loans & EMI

Debt-to-Income Ratio Calculator

Compare monthly debt payments with gross monthly income.

Enter your assumptions

Formula and methodology

DTI = Monthly debt payments ÷ Gross monthly income × 100

This calculator uses the values you enter and does not add fees, taxes or external assumptions.

Worked example

₹20,000 debt payments and ₹80,000 gross income gives a 25% DTI.

How to use

  1. Enter the requested values using consistent periods.
  2. Select Calculate.
  3. Review the methodology and limitations before using the estimate.

Frequently asked questions

What does this calculator estimate?

Compare monthly debt payments with gross monthly income.

Is this result guaranteed?

No. It is a simplified planning estimate; actual outcomes can differ.

Related tools

Explore Loans & EMI or all tools.

Disclaimer: This estimate may differ from a lender’s schedule because fees, day-count rules, rounding and changing rates are not included. Verify actual terms with the lender. It does not assess eligibility or provide lending advice.