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Debt-to-Income (DTI / FOIR) Calculator
Your debt-to-income (DTI) ratio shows what proportion of your gross monthly income goes toward recurring debt obligations. Banks use this measure (often called FOIR) to approve or reject new loans.
Monthly Cashflow
Your DTI Analysis
Debt-to-Income Ratio
38.3%
0%30% (Healthy)40% (FOIR Cap)50%+ (Stretched)
✓ Manageable / मध्यम स्तरMost banks consider applications at this level, though large fresh EMIs could push you toward approval caps.
Total Monthly Debt Payments₹23,000
Discretionary Income Left₹37,000
Extra EMI Room at 40% DTI₹1,000