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Debt-to-Income Ratio Calculator
See what share of take-home pay already goes to EMIs. Banks often look at 40–50% FOIR.
Last updated 2026-09-18
Debt-to-income
40.0%
Under 40% is often more comfortable.
How it works
DTI % = (monthly debt payments ÷ monthly net income) × 100.
How to use this calculator
- Enter the inputs shown above (amount, rate, tenure, income, or other fields).
- Read the live results — they update as you type.
- Check the formula, worked example, and assumptions on this page before you decide.
Formula
DTI % = (monthly debt payments ÷ monthly net income) × 100.
Worked example
₹40,000 EMIs on ₹1 lakh take-home is 40% DTI.
Reading the result
Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.
See also: calculation methodology and disclaimer.
Frequently asked questions
FOIR (fixed obligation to income ratio) is the bank version of this idea. Each lender sets its own cap and may include credit-card minimums, rent, or gold-loan EMIs.
Assumptions and limits
- This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
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