Debt to Income Ratio Calculator Australia — DTI Calculator

Debt-to-Income (DTI) Calculator

Income

Monthly Debts

Income vs Debt

Summary

Total Income: $

Total Debt: $

DTI Ratio: %

Compare Live Home Loan Rates

Below are live rates from Australian lenders. Updated automatically.

Frequently Asked Questions

What is a good debt-to-income ratio in Australia?

Most lenders prefer a DTI below 6x gross annual income. APRA guidelines prompt scrutiny above 6x. Some banks cap at 8x for strong applicants. A DTI below 4x is considered conservative and very serviceable.

How is the debt-to-income ratio calculated?

DTI = total outstanding debt divided by gross annual income. Lenders include your mortgage, personal loans, car loans, credit card limits (often multiplied by 3-4x), and HECS balance. Use the calculator above to check yours.

What DTI ratio do Australian banks use for home loans?

Most major Australian banks use a DTI cap of 6-9x depending on the lender and product. ANZ, CBA, NAB and Westpac all have internal DTI limits. Exceeding 6x generally triggers additional scrutiny or a decline for new borrowers.