Debt-to-income ratio
What share of each month's income the instalments already take — the first number a lender looks at, and how much room a bad month has.
Of ر.ق 80,000 a month, ر.ق 31,500 goes to instalments before anything else — 39.4%.
Lenders commonly draw the line around 40–50% for all instalments together; a household feels it well before that. Under 20% is room; 35% is where a missed month starts to matter.
| Instalment | Amount | Of income |
|---|---|---|
| Home loan instalment | 22,000 | 27.5% |
| Vehicle loan instalment | 6,500 | 8.1% |
| Credit card / instalment purchases | 3,000 | 3.8% |
- Do not add a loan. Clear the highest-interest one first — usually the card or the moneylender, whatever its size.
- Put the loans through the prepayment tool to see what clearing one early saves.
- Income is take-home and regular; a month without it changes every figure here.
- The bands (20 / 35 / 50%) are common guidance, not a rule of any bank.
- Rent is shown separately because lenders count it differently from debt; a household does not.
A worked example
The form starts with these figures (in QAR) so you can see how it works before typing your own. They are made up — nobody's real numbers appear here.
Questions people ask
What is a good debt-to-income ratio?
Under 20% leaves room; up to 35% is manageable while nothing goes wrong; above 50% is where the next emergency becomes more debt. Lenders usually stop around 40–50%.
Should rent be counted?
A lender counts it differently from a loan; your household does not. The page shows it as a second ratio so you see both views.
Which debt should go first?
The one with the highest interest rate, whatever its size — usually a card or a moneylender. The page also shows which single instalment moves the ratio most.
Is this the same number the bank uses?
Close. Banks call it the debt burden or obligation ratio and may include rent or exclude some instalments. Ask yours which.
Do you keep what I type here?
No. The figures are used to work out the answer and are not stored, and never appear in the page address.
These are estimates. The figures depend entirely on the numbers you enter and on assumptions that are listed on every result. They are not financial advice, and a bank, employer or authority may use different rules. Check anything important with them before you decide.
We do not keep your figures. Salary, debt and savings you type here are used to work out the answer and are not stored, and never appear in the page address. The only thing remembered is your country and language choice (a small cookie), so the currency can be suggested next time — never a figure you typed. Anonymous counters record that a calculation happened, not what it was.