Borrowing capacity

Debt-to-Income Ratio Calculator

Compare recurring monthly debt payments with gross monthly income. Use the result for planning, not as a lender approval rule.

Gross monthly income (₹)Existing EMIs (₹)Credit-card / other required debt payments (₹)New proposed EMI (₹)

Two views

Current DTI excludes the proposed loan.

Post-loan DTI includes it. This lets you see how a new borrowing decision changes monthly debt load.