DTI Health Check
The ultimate lending eligibility checker: group all your EMIs against your income to see your DTI ratio.
Quick Summary: DTI Health Check
Your Debt-to-Income (DTI) ratio measures what percentage of your gross monthly income goes toward paying debts. In India, a DTI below 40% is considered healthy, while above 50% is a 'Danger Zone' where lenders will likely reject new applications. Use this tool to audit your loan capacity.
How to use the DTI Health Check
- 1
Enter Gross Monthly Income
Input your total salary before taxes and PF deductions.
- 2
List All EMIs
Enter the sum of your home, car, personal loan, and credit card minimums.
- 3
Check Health Score
Review your DTI percentage and see how it affects your future loan eligibility.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.