Debt-to-Income Ratio Checker

Your debt-to-income (DTI) ratio is the share of your gross monthly income that goes to debt repayments. Lenders use it together with your credit record to decide whether more credit is affordable.

How this calculator works

• DTI = total monthly debt repayments ÷ gross monthly income × 100.
• Below about 30% is generally comfortable, 30–40% is stretched, and above 40% is a warning sign.

Worked example

R6,000 of repayments on a R20,000 gross salary is a 30% DTI.

FAQs

How can I lower my DTI?

Pay off the smallest accounts first, close store cards you've paid off, and avoid new credit until the ratio drops. Earning more also lowers it.