Debt-to-Income Ratio Calculator (DTI and FOIR)
By Santaji GadepatilinUpdated October 27, 2026
The debt-to-income ratio compares your monthly loan payments with your income. Lenders use it — called FOIR in India — to decide how much they will lend.
How to use the debt-to-Income ratio calculator
Add up all monthly debt payments — loan EMIs, minimum credit-card payments and other fixed obligations — and enter your gross monthly income (before tax). The calculator shows your debt-to-income ratio and how much more you could borrow each month while staying at 36%.
Debt-to-Income ratio formula
DTI = total monthly debt payments ÷ gross monthly income × 100
How lenders read DTI
| DTI | What it usually means |
|---|---|
| Below 20% | Excellent — plenty of room |
| 20–36% | Healthy — most lenders are comfortable |
| 36–43% | Acceptable for many mortgages, with fewer options |
| 43–50% | High — approval harder, higher rates likely |
| Above 50% | Very high — little room for new credit |
Front-end and back-end ratios
US mortgage lenders often look at two ratios:
- Front-end (housing) ratio: housing payment ÷ income, often 28% or less.
- Back-end ratio: all debts including housing ÷ income — this calculator.
The well-known 28/36 rule combines both.
FOIR in India
Indian banks use FOIR on net (take-home) income:
| Net monthly income | Typical maximum FOIR |
|---|---|
| Lower incomes | 40–50% |
| Higher incomes | 50–65% |
So with a take-home of ₹1,00,000 and a 50% FOIR, total EMIs can be up to ₹50,000 a month. Use the EMI calculator to see what loan that supports.
Example
Monthly EMIs of 1,500 and a gross income of 6,000:
- DTI = 1,500 ÷ 6,000 = 25%
- Room at 36% = 2,160 − 1,500 = 540 a month for new payments
Frequently asked questions
What is a good debt-to-income ratio?
Under 36% is generally considered healthy. Many lenders accept up to 43% for mortgages, and some go higher with strong credit.
What is FOIR?
Fixed Obligation to Income Ratio — the term Indian banks use. It is the share of your net monthly income going to EMIs and other fixed obligations. Many lenders cap it at 40–55%.
Which debts are included?
Monthly payments on home, car, personal and education loans, minimum credit card payments and other regular obligations. Everyday living expenses are not included.
How can I lower my DTI?
Pay off small loans or credit cards, avoid new debt before applying, and include all regular income such as rent received or a co-applicant’s salary.