Debt-to-Income Ratio Calculator

The share of your gross monthly income eaten by debt payments — the first ratio a bank checks before approving a loan or card.

Gross monthly income (PKR)

Loan installments / EMIs (PKR/month)

Credit-card minimum payments (PKR/month)

Other monthly debt payments (PKR)

Debt-to-income ratio

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Total monthly debt payments

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Gross annual income

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Band

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Extra EMI room to stay under 36%

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How it works

DTI = total monthly debt payments ÷ gross monthly income × 100. Many lenders like to see 36% or lower (some allow up to ~50% with strong profiles). Rent and living costs are not debt payments — leave them out.

More free tools: Financial Calculators hub — car finance, loan vs invest, Apna Ghar and more.

Estimates only — not financial advice. Rates, slabs and prices change; confirm live figures with your bank, broker or the FBR before acting. Calculations run in your browser; nothing is uploaded.