Debt-to-Income Calculator
Calculates debt obligations as a percentage of income.
Lenders use debt-to-income ratio to judge how much of your income is already committed to debt. Lilu Baba's DTI Calculator computes it instantly.
How to use this calculator
- Enter your total monthly debt payments (EMIs, credit cards, etc.).
- Enter your gross monthly income.
- Your DTI ratio updates instantly.
Debt-to-Income Ratio
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FAQ
Debt-to-Income Calculator — frequently asked questions
Many lenders prefer a DTI below 40%, though exact thresholds vary by lender and loan type.
Typically all recurring debt obligations — loan EMIs, credit card minimum payments, and similar — but not regular living expenses like groceries or rent (unless specifically required by a lender).