Financial Health Check
Debt-to-Income Ratio Calculator
Assess your financial health by calculating your debt-to-income ratio. A key metric for loan approvals and financial planning.
Your Income & Debts
Monthly Income
Gross Monthly Salary
₹100000
Other Income (Rent, Business, etc.)
₹0
Monthly Debt Obligations
Home Loan EMI
₹25000
Car Loan EMI
₹12000
Personal Loan EMI
₹8000
Credit Card Payments
₹5000
Other EMIs/Debts
₹0
What is Debt-to-Income Ratio?
- <30%: Excellent - You're financially healthy
- 30-40%: Good - Manageable debt levels
- 40-50%: Fair - Consider reducing debt
- >50%: Poor - High risk, reduce debt urgently
Your Financial Health
Financial Health: Excellent
DTI Ratio: 50%
Total Monthly Income
₹1,00,000
Total Monthly Debt Payments
₹50,000
Free Income After Debts
₹50,000
Debt-to-Income Ratio
50%
💡 Recommendation
Your DTI ratio is excellent! You have good control over your finances and can comfortably take on additional loans if needed.
Ways to Improve DTI
- • Pay off high-interest debts first
- • Avoid taking new loans
- • Increase your income sources
- • Consider debt consolidation
- • Build emergency fund to avoid debt
Need Help Managing Your Debts?
Get personalized advice on debt management and financial planning from our experts.