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Debt-to-Income Ratio Calculator
The single most important number lenders look at.
Enter values to see your result
Frequently asked questions
Front-end vs back-end DTI?
Front-end = housing cost / income. Back-end = all debt / income (including housing). Lenders usually look at back-end but may reject on front-end too.
What's the max DTI for a home loan?
India: typically 50% FOIR (Fixed Obligation to Income Ratio). US conventional: 43–50%. FHA: up to 57% with compensating factors.
How do I lower my DTI?
Fastest: pay off a small debt (e.g. credit card). Slowest but most impactful: increase income. Avoid taking on new debt right before applying for large credit.
Does DTI affect my credit score?
Not directly (DTI is a lending metric; credit score uses different factors). But high DTI often correlates with high utilisation, which DOES hurt your score.