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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.