Debt-to-Income Calculator

Lenders look at how much of your income already goes to EMIs before giving a new loan. In India this is called the fixed obligation to income ratio, or FOIR.

Home, car, personal and education loan EMIs, plus card EMIs.
Results update as you type.

Debt-to-income ratio

35%

Comfortable

Income left after EMIs
₹52,000
Room for new EMIs at 50%
₹12,000

About this calculator

Enter your monthly income and all your EMIs. The calculator shows the ratio and how much more EMI would keep you at 50% of income.

How to use it

  1. Enter your monthly income.
  2. Enter the total of all your EMIs.
  3. Read the ratio.

The formula

Debt-to-income ratio = total monthly EMIs ÷ monthly income × 100
EMIs
all loan instalments, including card EMIs
income
monthly income

Worked example

₹28,000 of EMIs on ₹80,000 income

  1. Ratio = 28,000 ÷ 80,000 × 100 = 35%.
  2. At a 50% ceiling there is room for ₹12,000 more in EMIs.

What the result means

Under about 35% is comfortable. Many lenders go up to 50% or more for higher incomes, but a higher ratio leaves little room for emergencies.

Assumptions

  • Income and EMIs are monthly.

Limitations

  • Lenders may use gross or net income and their own limits.

Frequently asked questions

What FOIR do banks accept?

Typically 40% to 60%, depending on income and the lender.

Do credit card dues count?

Lenders often count 5% of the card balance as a monthly obligation.

How can I lower my ratio?

Prepay or close small loans, or add a co-applicant’s income.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.