Financial Planning Tool
Debt-to-Income Ratio Calculator
Evaluate your debt burden and see how much of your monthly income is committed to EMIs before taking on new loans or investment plans.
Monthly Income & EMIs
1. Monthly Inflows
Gross Monthly Salary / Professional Income
₹100000
Other Income (Rent, Dividends, Business)
₹0
2. Monthly Debt Repayments
Home Loan EMI
₹25000
Car / Vehicle Loan EMI
₹12000
Personal Loan / Education Loan EMI
₹8000
Credit Card Minimum / Regular Payments
₹5000
Other Active Loans & Liabilities
₹0
Debt-to-Income (DTI) Benchmarks
- Under 30%: Healthy — Strong surplus for long-term investments
- 30% to 40%: Manageable — Comfortable, but avoid new debt
- 40% to 50%: High — Squeezes savings; prioritize debt repayment
- Over 50%: Critical — High financial vulnerability
Cash Flow Analysis
Financial Health: Poor
DTI Ratio: 50%
Total Monthly Income
₹1,00,000
Total Monthly EMI Outgo
₹50,000
Free Cash Flow (After Debts)
₹50,000
Debt-to-Income Ratio
50%
Advisory Assessment
Your DTI ratio is on the higher side. Prioritize clearing high-cost loans before allocating surplus capital toward discretionary investments.
Steps to Improve Your Cash Flow
- • Clear high-interest credit card dues and personal loans first
- • Avoid new consumer debt and unnecessary EMI schemes
- • Maintain a 6-month emergency reserve before increasing risk assets
- • Direct freed-up EMI cash flows into systematic mutual fund SIPs
Need Help Restructuring Debt and Building Wealth?
Schedule a one-on-one consultation with Jasvinder Singh to optimize your cash flows, eliminate debt drag, and build a sustainable investment plan.