finance
Debt-to-Income Ratio Calculator
Calculate monthly debt-to-income ratio and remaining income after debt payments.
Debt-to-income ratio
29.17%
Income after debt
NPR 85,000
Monthly debt
NPR 35,000
How this works
DTI = monthly debt payments ÷ gross monthly income × 100.
Worked example
NPR 35,000 debt payments on NPR 1,20,000 income is a 29.2% DTI.
FAQ
What is the Debt-to-Income Ratio Calculator used for?
Calculate monthly debt-to-income ratio and remaining income after debt payments. It is intended for quick planning, checking, and everyday decisions.
Can I use the result for a final contract or design?
Use it as a planning estimate. Lenders use different definitions, thresholds, verified income, and stress tests.
How can I improve the accuracy?
Use measured quantities, current supplier or lender rates, the correct units, and compare the result with drawings, invoices, or professional advice where the decision is safety-critical.