Debt-to-Income (DTI) Calculator

Calculate your debt-to-income ratio and understand how it affects borrowing

The Reserve Bank uses DTI ratios as a lending restriction tool. Most owner-occupiers are limited to a DTI of 6, meaning total debt cannot exceed 6x your gross annual income.

Gross Annual Income

Your Income

Partner Income

Debts

Proposed New Mortgage

Existing Mortgage(s)

Car Loan

Student Loan

Credit Card Limit

Other Debt

Your DTI Ratio

3.9x

Low Risk

Total Income

$160,000

Total Debt

$630,000

Existing Debts Reducing Your Capacity

$30,000

Car loans, student loans, credit card limits, and other debts all count against your DTI limit

Available Mortgage Capacity

After subtracting your existing debts of $30,000

At 5x DTI (Conservative)$770,000

At 6x DTI (Standard Limit)$930,000

At 7x DTI (Investors)$1,090,000

Maximum Total Debt Capacity (before existing debts)

At 5x DTI$800,000

At 6x DTI$960,000

At 7x DTI$1,120,000

DTI Guidelines

≤5x: Comfortable borrowing level

5-6x: Standard limit for owner-occupiers

6-7x: May require exemption or investor status

>7x: Likely to be declined

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Actual loan terms, rates, and eligibility may vary. Please contact a Mortgage Lab adviser for personalised advice.