Debt-to-Income Calculator
Calculate your DTI ratio to understand your borrowing power.
Income
Monthly Debts
0%
Front-End: 0% • ₹0 remaining
Front-End
0%
Target: ≤28%
Back-End
0%
Target: ≤36%
Total Debt
₹0
Max Mortgage
₹0
DTI Rating Scale
Understanding DTI Ratio
Front-End Ratio
Housing costs only (mortgage/rent + taxes + insurance) divided by gross income. Lenders prefer ≤28%.
Back-End Ratio
All monthly debts divided by gross income. Most lenders require ≤43% for qualified mortgages.
Lender Guidelines
Conventional
28% / 36%
FHA
31% / 43%
VA
No front / 41%
Jumbo
36% / 43%
Last Updated: February 2026 • Guidelines vary by lender and loan type.
About the DTI Calculator
Calculates your debt-to-income ratio by comparing monthly debt payments to gross monthly income.
Use before applying for a mortgage or loan to see if you meet lender DTI requirements (typically under 43%).
DTI = (Total Monthly Debt Payments / Gross Monthly Income) × 100
With ₹15,000 monthly debt and ₹50,000 income, your DTI is 30% — generally considered healthy for lenders.
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