What is DTI?
Debt-to-income ratio (DTI) is the share of your gross monthly income that goes toward paying existing debt — EMIs, rent or a home loan, credit card dues, and any other recurring debt obligation. It's a quick, personal gauge of how stretched your income already is, before you consider taking on anything new.
How this calculator works
Add every recurring debt payment — home loan or rent, personal loan, vehicle loan, credit card minimum obligations, education loan, and anything else you pay monthly on a fixed schedule. Living expenses like groceries, utilities and general spending are not debt and are not included.
A worked example
Someone earning ₹80,000 a month with rent of ₹15,000 and a personal loan EMI of ₹10,000:
DTI = (₹15,000 + ₹10,000) ÷ ₹80,000 × 100 = 31.25%
That places them in the "moderate" range below — manageable, but worth watching before adding a large new EMI.
General reference ranges
These are commonly cited illustrative bands, not an Indian regulatory standard or a specific lender's cutoff:
| DTI | General read |
|---|---|
| Below 20% | Low debt burden |
| 20% to 36% | Moderate — a commonly cited comfortable range |
| 36% to 43% | High — many lenders start getting more cautious |
| Above 43% | Very high — limited room for new debt |
DTI vs FOIR
DTI is the general, internationally recognised version of this idea. FOIR is the specific version Indian lenders actually use when assessing a loan application, and it is not calculated identically — FOIR definitions vary by lender on questions like gross versus net income and whether rent counts. If you're about to apply for an Indian loan, your FOIR is the more directly relevant number.