Skip to main content
    Back to Tools

    Debt-to-Income (DTI) Calculator

    Understand your borrowing power by calculating your front-end and back-end DTI ratios. Lenders use these numbers to determine your capacity to repay a loan.

    KES 50,000
    KES 10,000

    Include rent/mortgage, property taxes, and insurance.

    KES 5,000

    Car loans, student loans, credit card minimums, etc.

    Front-End Ratio (Housing)

    20.0%

    good

    Back-End Ratio (Total Debt)

    30.0%

    good

    The 28/36 Guideline

    Housing Ratio (28%)

    Lenders prefer your monthly housing costs to stay below 28% of your gross monthly income.

    Total Debt Ratio (36%)

    Your total monthly debt payments should ideally be under 36% of your gross income.

    Good: You are within standard lending guidelines.

    Tight: You might qualify, but lenders may look closer at your other assets.

    Risk: You may find it difficult to qualify for traditional mortgages.