DTI Ratio Calculator
Calculate your Debt-to-Income ratio for Pakistan
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آپ کی مالی تفصیلات (Your Financial Details)
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DTI Ratio Calculator
How to Use Guide
This guide will help you easily figure out your Debt-to-Income (DTI) ratio using a calculator that's specific to Pakistan. Follow these detailed steps to understand your financial situation better when applying for a loan.
Step 1: Enter Your Total Monthly Income
In the box marked "Total Gross Monthly Income (PKR)", enter all the money you earn each month before any deductions are made.
This should cover your basic salary, income from a business, rental income, money from freelancing, and any other regular cash inflows you have.
If you make PKR 95,000 from your salary, PKR 25,000 from renting out a property, and PKR 15,000 from a side business, your total income would be PKR 135,000.
If your income changes from month to month, it's best to calculate an average over the past 6 to 12 months for a more accurate result.
Just type the number. You don't need to add commas or write "PKR" (e.g., type 135000).
Step 2: Enter Your Total Monthly Debt
In the box labeled "Total Monthly Debt Obligations (PKR)", add up only the payments you must make every month for your debts.
- Minimum credit card payments
- Car loan (lease) installments
- Installments for personal or bank loans
- Payments for an existing home loan (mortgage)
- Any other formal loan repayments
- Utility bills like electricity, gas, and water
- Groceries and household supplies
- School fees or medical costs
- Transportation and fuel expenses
- Subscription fees for entertainment
If you pay PKR 35,000 for your car loan, PKR 8,000 as the minimum credit card payment, and PKR 20,000 for a personal loan, your total monthly debt would be PKR 63,000.
Step 3: Check Your Instant, Color-Coded Result
As soon as you finish typing in your numbers, your result will show up automatically—you don’t need to click a "calculate" button. The result is based on standard lending rules in Pakistan.
What it means: Your debt is seen as manageable. Most banks and lenders in Pakistan are likely to approve your credit request.
Suggested action: You can go ahead with applying for a loan. Still, it’s a good idea to check offers from different lenders to find the best one.
What it means: You’re in a warning zone. Lenders will look more carefully at your application and might not offer as good terms or as much money.
Suggested action: Try to reduce your debts, especially those with high interest like credit cards, before applying for a new loan. This can help improve your ratio and your chances of approval.
What it means: A large part of your income is already going toward your debts. It will be hard to get approved for a new loan.
Suggested action: Focus on reducing your debt. Make a strict budget, look into debt consolidation, or talk to a financial advisor in Pakistan for help.
Step 4: Reset to Recalculate or Try Different Scenarios
Once you’ve checked your result, you can easily start again.
· Click the "Reset All Fields" button to clear everything and start over.
· Use this tool to test different situations. For example, you can see how a new car loan might change your DTI by adding its monthly payment to your existing debts. Or, you can check how an increase in your income would help improve your ratio.
Features of Our Tool
Pakistan-Focused Financial Assessment Designed for Local Borrowers
Our tool is made for people who borrow money in Pakistan. It gives you feedback based on the risk limits that financial institutions usually use. This helps you figure out if you can get things like car financing or home mortgages before you even apply for them.
Instant, Color-Coded Results No Button Needed
When you type, the website works out your debt-to-income ratio right away. You do not need to click a calculate button. Importantly, you will immediately see a visual evaluation that is green, amber, or red. This clearly shows whether your ratio is generally acceptable, requires attention, or needs improvement based on standard lending benchmarks.
Clear Guidance on What to Include Avoid Confusion
Avoid confusion with our easy-to-follow input instructions. The calculator tells you which Pakistani Rupee (PKR) debts to include—like car loans, credit card minimums, and personal loans—and which regular expenses to exclude, such as utility bills and groceries. This ensures you calculate the exact ratio a lender will check.
Actionable Insights for Improvement More Than Just a Number
Our tool provides actionable direction. If your debt-to-income ratio is high, the insights will guide you on practical next steps, like reducing high-interest debt or finding ways to boost your income. These are the two main methods to effectively improve your financial standing.
Simple and Secure Privacy First
We prioritize your privacy and ease of use. The calculator runs entirely within your browser—your personal financial data is never saved or sent. The clean, mobile-friendly layout lets you check your financial health anytime, anywhere, without needing downloads or complicated setups.
Frequently Asked Questions
The Debt To Income ratio is a deal when you want to borrow money. Lenders use it to see if you can really afford to pay back what you borrow every month. They figure it out by taking all the money you pay for debts each month and dividing it by the money you earn each month then they show it as a percentage.
In Pakistan, banks and companies that lend money for things, like cars, houses or personal loans use the Debt To Income ratio to decide if they should say yes or no to your loan. If your Debt To Income ratio is low it means you are a person to lend money to.
I need to think about all the money I pay out each month. This means I have to include things like my credit card payments and my loan payments in my debts for the calculator. My debts, for the calculator are the payments I make every month. I should make a list of my debts for the calculator, including my credit card debts and my loan debts.
You need to include all the debt repayments that you have to make. Some common things that people have to pay every month are:
- Car loan (lease) installments
- Credit card minimum payments
- Personal or bank loan installments
- Existing home loan (mortgage) payments
Do not include variable living costs like utilities, groceries, fuel, or entertainment subscriptions.
A good debt to income ratio is very important when you want to get a loan. For people in Pakistan lenders like to see that the debt to income ratio is not too high. So what is a good debt to income ratio for getting a loan in Pakistan? Generally a debt to income ratio that's less than thirty six percent is considered good for getting a loan in Pakistan. This means that the debt to income ratio should be than thirty six percent of your income. A good debt to income ratio, like this will make it easier for you to get a loan in Pakistan.
When you are getting a loan the rules can be different depending on who's giving you the loan.. Usually if your debt to income ratio is below 36 percent that is good. It means you do not have much debt and you can handle it. A lot of loan programs like to see people in this range. If your debt to income ratio is between 36 percent and 50 percent the people giving you the loan will look at your application closely. If your debt to income ratio is above 50 percent that is a problem. The people giving you the loan will think you are a risk and it will be harder for you to get the loan. Debt, to income ratio is important when you are trying to get a loan.
I want to improve my Debt To Income ratio. To do that I need to know how to make it better. I am looking for ways to improve my Debt To Income ratio.
To make your debt to income ratio better you should do one of two things. You can. Reduce the amount of debt you have or you can increase the amount of money you make.
Focus on paying off the debts that have high interest rates, like your credit card debt, first. This is because it will lower the amount of money you have to pay every month.
Before you apply for a loan do not take on any more debt. This is important because taking on debt will make your debt to income ratio worse.
For an application you need to do a few simple things. First you have to add up the gross monthly income of all the people who are applying. Then you have to add up all of your combined debt payments. This means you take the money you have coming in each month and the money you have to pay out each month for debts. Once you have these two numbers you can put them into the calculator. The calculator will then give you your household debt to income ratio. This debt, to income ratio is what the lender will look at when they are deciding what to do with your application. The lender uses the debt to income ratio to figure out if you can afford to pay back a loan.
No. This tool is for learning and planning so you can see where you stand with your money. The bank gets to decide if you can really get a loan or not. They look at your credit history check how much money you make see if you have a stable job and what kind of loan you want. The bank has its rules for who can get a loan. They use all these things to decide if you can get a loan from them. The final decision to give you a loan is up, to the banks and what they think about your financial situation.
If your ratio is high, focus on a debt reduction plan before applying for new credit. You can create a strict budget, explore debt consolidation to lower monthly payments, or consult a registered financial advisor in Pakistan for personalized advice. Improving your DTI is a crucial step toward financial stability and unlocking better borrowing options in the future.
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