Debt-to-Income (DTI) Calculator
28/36 rule · EMI/NMI · affordability
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Back-end DTI (total debt)
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Front-end DTI (housing)
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Total monthly debt
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Income left after debt
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Affordability
DTI snapshot
Lenders use DTI to judge whether you can comfortably take on new debt. The US 28/36 rule caps housing at 28% and total debt at 36% of gross income.
Related tools
Reading your DTI
- Front-end DTI = housing (rent/EMI) ÷ income. The US 28/36 rule wants this under 28%.
- Back-end DTI = all monthly debt ÷ income. Under 36% is considered healthy; 37–43% is a warning; above 43% most US lenders decline.
- India EMI/NMI: banks usually prefer total EMIs below 40–50% of net monthly income. The closer you are to the cap, the smaller any new loan you can qualify for.
- 50/30/20 budget: with debt under control, aim for 50% needs, 30% wants, 20% savings/investment.
Important: DTI is only one factor. Lenders also check credit score, employment stability, existing obligations and the loan type. This calculator is guidance, not a credit decision.