Debt to Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio to assess financial health and borrowing capacity
DTI Calculator
Monthly Income
SAR
SAR
Total Monthly Income
10,000 SAR
Monthly Debt Payments
SAR
SAR
SAR
SAR
SAR
SAR
Total Monthly Debts
5,000 SAR
DTI Ratio Guide
| Ratio | Status | Interpretation |
|---|---|---|
| < 20% | Excellent | Excellent financial position, high saving and borrowing capacity |
| 20% - 35% | Good | Healthy finances, qualified for new loans |
| 36% - 43% | Fair | Warning zone, difficulty getting additional loans |
| 44% - 50% | Poor | High financial stress, need to reduce debts |
| > 50% | Critical | Critical situation, risk of financial default |
Saudi Banking Standards
Monthly Deduction Limit
According to SAMA, total monthly deductions should not exceed 33% for government sector and 25% for private sector.
Mortgage Financing
For supported mortgage financing, the limit can reach 45% including the mortgage payment.
About This Tool
The Debt-to-Income (DTI) ratio calculator helps you assess your financial health by comparing your monthly obligations to your income. This ratio is crucial when:
- Applying for a loan or financing
- Planning to buy a car or house
- Evaluating your current financial situation
- Creating a debt repayment plan
How is it calculated?
DTI Ratio = (Total Monthly Debts ÷ Total Monthly Income) × 100
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Frequently Asked Questions
Below 36%. A ratio above 43% may make it hard to get a new loan.
Divide total monthly payments by monthly income and multiply by 100.
Yes, it includes all monthly obligations including rent, installments, and cards.
Banks use it to assess repayment ability. Lower ratio means better financing chances.
Increase income or reduce debts. Pay small loans first and avoid new borrowing.