Debt-to-income ratio calculator

Add up your monthly loan EMIs and other debt payments and see what share of your income they take.

Estimate from your own figures

Lenders differ: many look at take-home income. The result says which one was used.

Regular income only, on the basis you chose above.

What you pay towards card balances you carry, including card EMIs. Leave empty if you clear the full bill every month.

For example a loan from an employer or family, or a pay-later plan. Not rent, food or bills.

Rent, food, bills and school fees. Not part of the ratio; used only to show what is left.

Your figures are sent only to calculate this result. They are not stored and do not appear in the page address. Never enter card numbers, PINs, OTPs or passwords.

Learn more: Managing debt: repayment order, consolidation and your debt-to-income ratio.

Frequently asked questions

How is the debt-to-income ratio calculated?

Ratio = (monthly EMIs + card payments + other debt payments) ÷ monthly income × 100, using take-home or gross income as you choose. Rent and living costs are not included.

Is this the same as a lender's FOIR?

It is similar. Each lender decides which income and obligations to count and what limit to apply, so its figure can differ.

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