Debt-to-Income (DTI) Calculator

How to read your DTI ratio

Enter your gross monthly income, your housing EMI or rent and your other monthly EMIs. The calculator shows both your front-end and back-end DTI and rates how lenders are likely to view it.

Formula

• Front-end DTI = housing EMI ÷ gross monthly income × 100%.
• Back-end DTI = (housing + all other EMIs) ÷ gross monthly income × 100%.

Lender guidelines (back-end)

• 36% or less: excellent — viewed favourably.
• 37%–43%: good — acceptable to most lenders.
• 44%–50%: caution — a strong CIBIL score or co-applicant helps.
• Above 50%: high — most lenders will hesitate.

Guidelines vary by lender and loan type. This is an estimate, not a loan offer or approval.

Frequently Asked Questions

What is a debt-to-income ratio?

DTI is your total monthly debt payments divided by your gross (pre-tax) monthly income, shown as a percentage. Lenders use it — alongside FOIR and your CIBIL score — to judge how much of your income is already committed to EMIs.

What is the difference between front-end and back-end DTI?

Front-end DTI counts only housing cost (home loan EMI or rent) against income. Back-end DTI counts all monthly obligations — housing plus car loans, personal loans, credit card dues and other EMIs.

What DTI do lenders prefer in India?

A back-end ratio of about 36% or less is comfortable. Up to ~43% is generally acceptable, 44%–50% narrows your options, and above 50% most lenders hesitate. Indian lenders often phrase this as a FOIR cap near 50%.

How can I lower my DTI?

Close or pay down existing EMIs, avoid taking on new loans before applying, and raise your qualifying income (for example with a co-applicant). Clearing high-EMI loans such as personal or car loans helps the most.

Should I use gross or net income?

DTI is conventionally measured on gross (pre-tax) monthly income, so this calculator uses gross income. Lenders may also look at net income via FOIR when sizing your maximum EMI.