Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI) against monthly income.
Tip: Banks prefer a DTI under 40% — under 30% is considered healthy.
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About this digital tool
The debt-to-income (DTI) ratio calculator shows what percentage of your monthly income goes on debt payments. Add your gross monthly income and the monthly payments on all debts: loans, instalments, credit cards, finance leases. The formula: DTI = monthly debt payments ÷ gross monthly income × 100.
Banks use this indicator when assessing a new loan application: the lower the DTI, the easier the loan is to approve and the better the price. The tool helps you know whether you have room for a new debt and how much to reduce your debts before applying. Bank thresholds vary, so the result is only an estimate.
How to use
- Enter your gross monthly income.
- Add all monthly debt payments (loans, cards, etc.).
- See the DTI ratio and its interpretation.
Frequently asked questions
What is a good DTI?
Under 30% is considered excellent, 30–40% acceptable. Above 40%, most banks are more cautious about approving new loans.
What is included in debt payments?
Loan instalments, credit card payments, leasing, borrowings — any fixed monthly payment on debt. Everyday expenses (food, transport) are not included.
How is the debt-to-income ratio calculated?
Add up the monthly debt payments and divide by gross monthly income, then multiply by 100. If you pay 40,000 lek in debt and earn 120,000 lek, DTI is about 33%.
How do I lower my DTI?
Either pay off debts to lower monthly payments, or increase your income. Consolidating debts at a lower rate can also lower the monthly payment.
Why do banks ask for DTI?
Because it shows your ability to pay the new loan. A high DTI suggests greater risk and can lead to rejection or a much smaller loan.