Debt load (DTI)
What share of your income goes to mandatory payments
DTI
25%
share of income going to payments
Free income
75 000,00 ₽
75% of income free
Room to the limit
25 000,00 ₽
more payment fits within 50%
Load scale
Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.
How it is calculated
- The debt-load ratio is the share of income spent on obligatory payments: DTI = payments / income * 100. The calculator shows two figures: the current load from existing payments and the resulting one — including the payment on the loan you are only planning to take.
- Free income is income minus all payments; it can go negative when payments exceed earnings. The free share is shown on a band scale: up to 30% of load is the comfortable zone, above 80% is critical.
- Headroom is how much more monthly payment fits under the comfort ceiling of 50% of income: headroom = income * 50 / 100 - payments, floored at zero. The ceiling is reference data set by the regulator; it reaches the calculator dated, and the 50% is applied as an exact fraction with no intermediate rounding.
Worked example
The figures the page opens with: income 100 000 ₽ a month, loan payments 25 000 ₽. The load is 25% — a low level: 75 000 ₽ stays free, and another 25 000 ₽ of monthly payment still fits under the 50% ceiling.
Put a planned loan payment into the third field — say 35 000 ₽ — and the load becomes 60%: above the comfort ceiling, the headroom drops to zero and the scale moves into the red zone. That is how a bank will see the application before you file it.
Frequently asked questions
What is the debt-load ratio and who computes it?
The ratio of all monthly loan payments to average monthly income. Banks must compute it for every application: the higher an applicant’s ratio, the more expensive the loan is for the bank to issue, so a high load is a common reason for refusal or a higher rate.
Which payments count?
All regular obligations: loan and mortgage payments, minimum credit-card payments (usually a few percent of the limit, even on an untouched card), instalment plans and private loans. Add them up and enter one total.
Why is the ceiling 50%?
That is the threshold past which the regulator deems a borrower overloaded and restricts banks with capital add-ons on such loans. The value is set by the regulator and can change — the calculator reads it from the reference book together with its effective date.
How do I lower my debt load?
Three routes: reduce the payments (refinance expensive loans — size the gain in the “Refinancing” calculator; clear small debts — “Debt payoff strategies” picks the order), document a higher income, or cut the limits on unused credit cards.
Does household income count?
The calculator works with the income you enter: to assess a household, add up both partners’ incomes and payments. Banks do the same with co-borrowers.
Is a 25% ratio good?
Yes: up to 30% the load is considered low — the loans are serviced without straining the budget. Between 30% and 80% risk grows and a new loan deserves thought; above 80% is critical — almost all income goes to creditors, and any salary delay hits the payments.
Does a mortgage count towards the debt load?
Yes, like any other loan: the full monthly mortgage payment goes into the payments field. With a co-borrower, banks usually split the payment and the income between the borrowers — for the household picture, add both sides in full.