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Ideal Installment (Debt-to-Income) Calculator
Compute the debt-to-income ratio (DTI) and healthy remaining installment room before taking new credit. Free.
Note
An estimate based on your assumptions; real investments fluctuate and carry risk. This isn't financial advice — consider consulting a financial planner.
Debt-to-income (DTI)
Your installment ratio is within a healthy limit.
Planning a mortgage or loan?
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Understanding the installment ratio
Debt-to-Income (DTI)
The ratio of total monthly installments to net income. DTI = total installments ÷ income × 100%. The lower, the healthier your finances.
Healthy limit 30–35%
Total installments generally shouldn't exceed 30–35% of income. Above that, finances are fragile and it's hard to save or handle the unexpected.
Remaining installment room
The gap between the healthy limit and your current total installments. It shows how large a new installment is still safe to take, e.g. before a mortgage.
FAQ
Frequently asked questions
What's the ideal installment ratio from salary?
Generally total monthly installments should be ≤ 30–35% of net income. E.g. Rp10M income at 35% → max installment Rp3.5M. The calculator computes your remaining room.
What is debt-to-income (DTI)?
DTI is the ratio of total monthly installment obligations to income. Banks often use it to assess creditworthiness. A low DTI signals better repayment capacity.
What's the max mortgage installment from salary?
As a guide, all installments (incl. mortgage) should be under 30–35% of income. If you have other installments, the room for a mortgage shrinks. Compute your remaining room before applying.
What's the risk of a too-high DTI?
Finances become fragile: little left to save, hard to handle the unexpected, and higher default risk if income is disrupted. Lower your DTI before adding debt.
Are all installments counted?
Yes, sum all mandatory monthly installments: mortgage, vehicle loan, personal loan, paylater, and credit cards. The more complete, the more accurate your ratio picture.
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