Tools/Debt-to-Income Ratio Calculator
Debt-to-Income Ratio Calculator
Check whether your EMIs are inside the zone lenders like - before you apply for the next loan.
Income & Obligations
Lenders in India generally like total EMIs below 40-50% of monthly income before sanctioning new credit.
Debt-to-income ratio
26.7%
Assessment
Healthy
EMI headroom
₹2 Lakh
To stay within 40%
125+ lenders. Termsheet in 48h. Zero equity dilution.
How DTI is calculated
Debt-to-income ratio = total monthly debt payments ÷ gross monthly income, expressed as a percentage. If your business pays ₹4 lakh in EMIs against ₹15 lakh of monthly inflows, your DTI is 27%.
Most Indian lenders like total obligations below 40-50% of monthly income before sanctioning new credit. Below that line, a new loan is an easy yes; above it, you will face pushback, higher rates, or smaller sanctions.
Explore Working Capital LoansWhat is a debt-to-income ratio calculator?
A DTI calculator adds up everything you pay toward debt each month and divides it by your monthly income. Lenders use this exact math - often called FOIR (fixed obligation to income ratio) in India - to decide how much more EMI your cash flow can absorb.
How to use this DTI calculator
- 1
Enter your total monthly debt payments - every EMI, interest payment, and committed obligation.
- 2
Enter your gross monthly income or business inflow.
- 3
Read your DTI percentage, the lender assessment, and how much EMI headroom you have for a new loan.
Reading your DTI like a lender
Below 40% - comfortable
New credit is easy to sanction. You are borrowing from strength.
40-50% - watchful
Lenders will look harder at income stability, and may trim the sanction amount.
Above 50% - stretched
Expect rejections or expensive offers. Consolidating or refinancing existing EMIs should come first.
Income quality counts
Documented, consistent inflows (GST, banking) let lenders accept a higher DTI than undocumented income.