Debt-to-Income Ratio Calculator
See what share of your income goes to EMIs — and how much extra loan you can safely afford. Lenders call this DTI or FOIR.
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- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Debt breakdown
Talk to a loan advisor about your borrowing capacity
We map your DTI to real lender norms and help you structure debt the right way.
Disclaimer: Indicative estimate only. Lenders assess DTI / FOIR alongside credit score, income stability, loan tenure and existing exposure. Actual eligibility varies by bank and product.
What your DTI ratio means
Your debt-to-income (DTI) ratio — banks in India often call it FOIR (Fixed Obligation to Income Ratio) — is the share of your monthly income that already goes to loan EMIs and fixed debt payments. Lenders use it to judge how much more you can safely borrow. The lower your DTI, the more room you have.
| DTI Range | Band | What it means |
|---|---|---|
| ≤ 36% | Healthy | Comfortable debt load. Most lenders approve fresh loans easily and you have surplus for savings and emergencies. |
| 36% – 43% | Manageable | Still acceptable to most banks, but you have less cushion. New borrowing may need a co-applicant or longer tenure. |
| 43% – 50% | Stretched | Approaching lender limits. Fresh loans get harder; focus on clearing high-cost debt like credit cards first. |
| > 50% | High risk | Over half your income services debt. Most lenders decline. Restructure or consolidate before taking on more. |
Worked example
Take a salaried person with ₹80,000 net monthly income who pays a ₹18,000 home loan EMI, ₹6,000 on a car loan and a ₹2,000 credit card minimum. Here is how the DTI and extra loan capacity are calculated.
At 32.5% the borrower is in the healthy band and could take on roughly ₹6,000 more in monthly EMI before crossing the common 40% FOIR threshold that many lenders use.
Key terms explained
DTI ratio
Total monthly debt payments divided by net monthly income, shown as a percentage. It is the single number lenders use to gauge whether you can afford another EMI. Lower is better.
FOIR
Fixed Obligation to Income Ratio — the Indian banking term for DTI. Most banks cap FOIR around 40%–50% of net income when sanctioning a new loan, sometimes higher for high earners.
Disposable income
What is left after all EMIs and fixed obligations — income minus total debt. This is the money available for living expenses, savings and investments each month.
Additional EMI capacity
How much more monthly EMI you can take before hitting a chosen DTI target (we use 40%). Computed as income × 40% − current debt, floored at zero.
Questions people ask
Short answers on Debt-to-Income (DTI) Calculator. Tap a question to open it.
01What is the debt-to-income ratio?
Your total monthly debt payments divided by your gross monthly income, shown as a percentage. Lenders in India often call the same idea FOIR — fixed obligation to income ratio.
02What DTI do lenders accept?
Most banks want total obligations including the proposed new EMI to stay within 50% to 60% of net monthly income. Higher income brackets are sometimes allowed a little more; the ratio tightens for unsecured loans.
03Which payments count as debt?
All EMIs on home, car, personal, education and gold loans, credit card minimum dues, and any guarantee obligations the lender chooses to include. Rent, utilities and school fees are usually excluded from DTI but assessed separately.
04How can I improve my DTI before applying?
Close or prepay a small loan, avoid new credit for a few months, extend the tenure on an existing loan, or add a co-applicant with income. Reducing credit card outstanding also helps the reported figure.
05Is DTI the same as the credit score?
No. DTI measures affordability from current income; the credit score measures repayment behaviour. Lenders look at both, and a strong score will not rescue an application that fails the FOIR test.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.