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.

Schedule Consultation WhatsApp Us