Debt-to-Income Ratio Calculator
Your debt-to-income ratio compares recurring monthly debt to gross monthly income. Lenders use it to gauge affordability; this layout follows the simple two-field style used on
NRIPage’s debt-to-income calculator.
Debt-to-income ratio
0%
Recurring monthly debt
₹ 0.00
Gross monthly income
₹ 0.00
Income after debt payments
₹ 0.00
How to Use This Calculator
- Add up your recurring monthly debt: credit cards (minimums), auto, student loans, personal loans, child support, and other fixed obligations.
- Enter your gross monthly income (pre-tax pay for the month—the usual basis for DTI).
- Click Calculate for your ratio, income left after those payments, and charts.
Frequently Asked Questions
What is a good DTI?
Many lenders use guidelines near 36% for total monthly debt to gross income, but programs and compensating factors vary.
Is gross or net income used?
This calculator uses gross monthly income (before taxes) only, which is the common convention for DTI.
Should I include a co-borrower?
Combine incomes and debts the way your lender would for a joint application; this tool does not split borrowers.
