DTI Ratio Calculator
Check Loan Eligibility & EMI Affordability
Your Debt-to-Income Ratio
0%
Excellent
Monthly Income:
$0
Total Monthly Debt:
$0
DTI Risk Level
0%
36%
43%
50%+
Healthy
Caution
High Risk
Loan Eligibility (Home Loan Example)
Max EMI (at 40% DTI)
$0
Est. Loan Amount (9% for 20 yrs)
$0
Tips to Improve DTI
- Pay off credit card debt first
- Increase income via side hustle
- Refinance high-interest loans
- Avoid new debt before loan application
About Debt-to-Income (DTI) Ratio
DTI Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
DTI < 36% → Excellent
36%–43% → Acceptable
43%–50% → Risky
>50% → High Risk
Common Debts Included:
- Home Loan EMI
- Car Loan EMI
- Personal Loan EMI
- Credit Card Minimum Due
- Education Loan EMI