Is My Debt Too High?

Find out your debt-to-income ratio - see where you stand, what lenders see, and what you can do next. Works for 196 countries in your local currency. Private and free forever.

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๐ŸŒ 196 Countries ยท Local Currency ยท Free Forever
๐Ÿ”’ Your numbers stay on your device. We never see them.
Your Debt-to-Income Ratio
0%
Calculating...
Monthly Income
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Monthly Debt
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Money Left After Debt
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Room Before 36% Benchmark
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๐Ÿ“… Calculated before? Enter your previous DTI to track progress:
Country/RegionCommon GuidelineLocal Term
USA (Mortgage)Under 43% (FHA), 36% preferredDTI
United KingdomUnder 40โ€“45% (lender practice)DTI
IndiaUnder 40โ€“55% (varies by lender)Fixed Obligation to Income Ratio (FOIR)
UAEUnder 50% (Central Bank cap)DBR
Nigeria~30โ€“33% (lender practice)Debt Burden Ratio
PhilippinesUnder 40โ€“50% (varies by lender)DTI
Pakistan40% of net disposable income (SBP)DBR
BrazilUnder 30โ€“35% (varies)Comprometimento de Renda
Thresholds are approximate guidelines. Always verify with your specific lender.
Important: Results are estimates for informational purposes only and do not constitute financial or credit advice. This tool does not determine loan approval. Lender thresholds vary significantly by country, lender, and loan type. Informal debts you include here may not appear in lender credit checks - your lender may calculate a different DTI. Your data is calculated in your browser and never stored by us. Consult a qualified financial professional before making borrowing decisions.
Real Burden vs What Your Lender Sees
Lender sees
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Formal debts only
Your real burden
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All obligations inc. informal

Where Your Money Goes

Your DTI Action Plan

Pay these off first for the biggest DTI drop.
Would You Qualify? Global Check
How lenders in major markets view your DTI.
Approximate guidelines. Verify with your specific lender.

What If I Take On New Debt? - Run a Scenario

Enter any new loan EMI (Equated Monthly Installment), microfinance payment, or debt you are considering taking on.

Goal Calculator - Reach a Target DTI

Your Country

Selecting your country shows your local currency symbol. The calculation formula is the same for every country.

Your Income

The calculator defaults to 26 working days - daily earners can change this below
Enter your gross income (before taxes and mandatory deductions) - salary, freelance earnings, business profit, or pension. Irregular income? Enter your average monthly amount. Your numbers stay on your device. How we calculate: Monthly income is used directly.

Your Monthly Debt Payments

Include all obligations: Bank loans ยท Microfinance EMIs ยท Credit card minimums ยท Car loans ยท Family loans you repay regularly ยท Savings group contributions (ajo/paluwagan/chit fund) ยท Informal lender payments
Do not include: Living costs like rent, groceries, utilities (electricity, gas, water, internet), phone bills, transport, insurance premiums, or school fees
This shows what you truly owe every month. Banks may not know about all of your debts so they may think you owe less.
Just enter your daily or weekly debt payment amount - we convert it to monthly for you.
Debt-to-Income (DTI) Health Gauge
0% 20% 35% 43% 50% 100% --%
YOUR DTI
Excellent Good Stretched High Very High

What Is a Debt-to-Income (DTI) Ratio?

Your debt-to-income ratio - called DTI, FOIR, or DBR depending on your country - shows how much of your monthly income goes toward debt payments. Divide total monthly debt by gross monthly income and multiply by 100.

This calculator works for 196 countries in local currency and includes informal obligations - microfinance EMIs, ajo, paluwagan, chit fund, tontine, family loans - that most mainstream calculators leave out.

Include: Bank loans, credit card minimums, microfinance, savings group contributions, family loan repayments.

Exclude: Groceries, utilities, phone, transport, insurance, school fees.

Debt-to-Income (DTI) Bands and What They Mean

20% or below — Excellent. Very low debt burden. Strong financial flexibility.

21–35% — Good. Manageable. Most lenders view this favourably.

36–43% — Stretched. Significant load. Review before new borrowing.

44–50% — High. Options for new credit may be limited.

Above 50% — Very High. Consider speaking with a financial professional.

Global Lender Thresholds

USA: ~36% conventional, 43% FHA benchmark.  UK: ~40–45% (lender practice).  India (FOIR): ~40–55% (lender practice).

UAE (DBR): Central Bank cap 50%.  Nigeria: ~30–33% (lender practice).  Philippines: ~40–50% (lender practice).

See DTI by Country for full country details. The Global Lender Check in your results shows your status instantly. Figures current as of 2026.

Frequently Asked Questions

Should I use gross or net income? Gross income (before taxes). This is the standard used by most lenders globally.

What if I earn daily or weekly? Use the frequency buttons — the calculator converts to monthly automatically.

How can I lower my DTI? Pay off the smallest debt entirely — this removes its payment from your DTI immediately. The Action Plan in results shows which debt has the most impact.

Is my data stored? No. All calculations happen in your browser. Nothing is sent anywhere.