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Debt-to-Income (DTI) Ratio Calculator

Calculate your debt-to-income ratio for Australian mortgage applications. APRA monitors banks for high DTI lending — most lenders cap at 6×.

Your Finances
Gross annual income (applicant 1)
$
Gross annual income (applicant 2)
$
Proposed new mortgage
$
Other debts (personal loans, car loans)
$
Credit card limits (total)
$
DTI Result
Debt-to-Income Ratio
—
MetricValue

APRA DTI Guidance for Australian Banks

APRA requires lenders to monitor loans with a DTI >6. While not a hard cap, loans with DTI >6 face increased scrutiny. Many lenders have internal policies limiting DTI to 6–8×.

How DTI is Calculated

DTI = Total debt / Gross annual income. Total debt includes: new mortgage + credit card limits (not balances) × 3.8 + other loans.