Debt-to-Income (DTI) Ratio Calculator
Measure what percentage of your pre-tax monthly income goes toward recurring debt obligations. Understand how Indian banks evaluate your borrowing capacity using Fixed Obligation to Income Ratio (FOIR) benchmarks.
Income & Debt Obligations
Important: Enter your total pre-tax gross earnings. Do not enter take-home (net) salary. Comparing net pay against standard banking benchmarks will artificially distort your DTI ratio.
Awaiting Calculation
Enter your gross monthly income and debt obligations on the left, then click “Calculate DTI Ratio” to evaluate your financial profile.
Understanding DTI and Indian FOIR Guidelines
Calculates the share of pre-tax gross income used strictly for housing (Home Loan EMI or monthly house rent).
Indian Benchmark: Most lenders prefer this to stay below 28% to 30% so borrowers are not house-poor.
Considers ALL recurring monthly debt obligations combined: home loan EMIs, credit cards, auto loans, personal loans, and consumer EMIs.
Indian Benchmark: Standard banking cap is 40% to 50%. Exceeding 50% usually leads to loan rejection or high interest penalties.
Calculation Assumptions & Boundary Rules
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Frequently Asked Questions
Get Confidential Guidance on Debt Resolution
If your DTI exceeds 50% or unmanageable credit card interest and collection calls are overwhelming your family budget, CredSettle can help you evaluate legal defense, harassment protection under RBI guidelines, and structured loan settlement.