# Debt to Income Ratio Calculator: Your EMI Load > Debt to income ratio calculator: add your EMIs and card dues against monthly income to see your ratio, how lenders read it and the EMI room you have left. Source: https://trykosh.com/tools/debt-to-income-ratio-calculator Free tool - Loans and credit cards # Debt-to-income ratio calculator How much of your income already goes to EMIs and card dues? This ratio decides whether a lender says yes to your next loan, and whether you should ask. Rules checked 25 October 2026Free - no sign-upRuns in your browser Debt-to-income ratio 29.2% Comfortable: INR 35,000 of INR 1,20,000 goes to debt each month Left after EMIs**INR 85,000** Room for EMIs at 40%**INR 13,000** Room at 50% FOIR**INR 25,000** Home loan **INR 25,000**Vehicle loan **INR 8,000**Cards **INR 2,000**Free income **INR 85,000** Home loan INR 25,000 Vehicle loan INR 8,000 Personal / education INR 0 Cards INR 2,000 Other INR 0 Total debt payments INR 35,000 Housing EMI alone 20.8% Under 30% leaves room for savings and surprises. Most Indian lenders cap total EMIs, new loan included, at 40-60% of net income depending on how much you earn. ## Upload your statement and Kosh does this for you. Upload a bank or card statement and Kosh finds every EMI and card charge, then builds the fastest way out of debt that still fits your month. [Start free](/signup?via=tool-debt-to-income-ratio-calculator) ## How the debt-to-income ratio calculator works Add up every monthly debt payment: home, vehicle, personal and education loan EMIs, credit card minimum dues or card EMIs, and anything else such as consumer durable EMIs. Divide by your monthly income. That is your debt-to-income ratio. Indian lenders call this FOIR (fixed obligations to income ratio) and usually work it on take-home pay. Most cap total EMIs, including the new loan, somewhere between 40 and 60% of net income, with higher limits for higher incomes. The calculator shows how much EMI room you have left at 40% and at 50%. As a personal guide, under about 30% is comfortable, 30 to 40% is manageable, 40 to 50% is stretched, and above 50% leaves little room for savings or shocks. These bands are guidance, not rules. The housing EMI alone is shown separately. Keeping it to around a quarter or a third of take-home pay leaves space for other goals. Debt-to-income = total monthly debt payments / monthly income x 100 Room at 50% 50% x income − current EMIs ## Worked example: Sneha checks before a home loan Sneha takes home INR 85,000 a month and pays a INR 12,000 car EMI, INR 9,500 on a personal loan, about INR 4,000 in card dues and INR 3,000 on a phone EMI. Her ratio is 33.5%, in the manageable band. At a 50% FOIR she has only INR 14,000 of EMI room for a home loan, so clearing the personal loan first would help her eligibility. Debt-to-income ratio 33.5% Manageable: INR 28,500 of INR 85,000 goes to debt each month Left after EMIs**INR 56,500** Room for EMIs at 40%**INR 5,500** Room at 50% FOIR**INR 14,000** Vehicle loan **INR 12,000**Personal / education **INR 9,500**Cards **INR 4,000**Other **INR 3,000**Free income **INR 56,500** Home loan INR 0 Vehicle loan INR 12,000 Personal / education INR 9,500 Cards INR 4,000 Other INR 3,000 Total debt payments INR 28,500 Housing EMI alone 0% Under 30% leaves room for savings and surprises. Most Indian lenders cap total EMIs, new loan included, at 40-60% of net income depending on how much you earn. [Load this example into the calculator ->](?income=85000&home=0&vehicle=12000&personal=9500&card=4000&other=3000#calculator) ## Good to know - Lenders count card dues even if you pay in full. Many use 5% of your card balance as an assumed monthly obligation. - Guarantees you've given for someone else's loan can also count against your FOIR. - Rent isn't a debt payment for FOIR, but it matters for your own budget. Include it when deciding what you can afford. ## Frequently asked questions What is a good debt-to-income ratio? Under about 30% is comfortable for most households. Lenders in India often allow 40-60% of net income for all EMIs, but staying well below that leaves room to save and absorb shocks. Is FOIR the same as debt-to-income ratio? Nearly. FOIR is the term Indian lenders use, usually calculated on net take-home income. Debt-to-income ratio in other countries is often calculated on gross income, so the same debts give a lower figure. How can I lower my debt-to-income ratio? Clear or prepay small loans, convert card balances to fixed EMIs and pay them off, avoid new EMIs, or increase income with a co-applicant when applying for a loan. Do credit card dues count in debt-to-income ratio? Yes. Card EMIs count fully, and many lenders also assume a monthly obligation of around 5% of your outstanding card balance. ## Sources and assumptions - [Reserve Bank of India](https://www.rbi.org.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.