Debt-to-Income Calculator
Enter total monthly debt payments and gross monthly income.
Debt-to-Income Ratio
25.0%
Manageable
- Debt
- SAR 3,000
- Income
- SAR 12,000
- Remaining
- SAR 9,000
How it works
DTI measures the share of your income going to debt. Lenders use it to gauge whether you can take on more credit. Lower DTI = better approval odds and rates.
Formula
DTI = (monthly debt ÷ monthly income) × 100
Worked example
SAR 3,000 debt / SAR 12,000 income = 25% (manageable).
FAQ
- What DTI do banks accept?
- Typically under 33%–45% depending on the lender and loan type in KSA.
- Does it include rent?
- Some lenders count it, especially for mortgage applications. Include it for accuracy.
- How do I lower DTI?
- Pay off small loans, avoid new installments, or increase income.