Australia Debt-to-Income Calculator

Measure your DTI ratio based on monthly debt and gross income to understand borrowing capacity. Optimized for Australia and tuned for global marketscenarios.

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Debt-to-Income (DTI) Calculator

Assess your DTI ratio to understand borrowing readiness and risk.

Gross Monthly Income

Total Monthly Debt Payments

DTI Ratio

30.00%

Region assumptions: Australia (AUD)

Current Debt Obligations

$1,800

Max Debt at 43% DTI

$2,580

Borrowing Headroom

$780

Risk Band (1 low, 3 high)

Scenario insights

Your DTI is in a lender-friendly range.

Worked Example

Income $6,000 and debt $1,800 gives DTI = 30% which is usually considered manageable.

Modeling Assumptions

• Gross income basis
• Monthly obligations are fixed
• No temporary debt shocks

Source Inputs

• Mortgage underwriting guidelines

Last updated: 2026-04-15 · Review assumptions before financial decisions.

Frequently Asked Questions

What is a good DTI ratio?

Below 36% is generally considered healthy for many lenders. Ratios above 43% often reduce loan eligibility.

Should I include rent in DTI?

For mortgage underwriting, housing obligations are included. For personal planning, include all mandatory monthly liabilities.

How can I improve DTI quickly?

Pay down revolving debt, avoid new loans, and increase stable income where possible.

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