Debt-to-Income Calculator — will a bank say yes

Every field, the formula behind it, and a worked example.

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Help › The calculators › Instalments against income

Add every instalment you pay in a month and hold it against your income. This one number decides more loan applications than anything else.

When to use it

Before you apply, so you already know the answer the bank is going to give you.

Your monthly income (Rs)	After tax, what actually arrives. Add a co-applicant's income if you are applying together.
The house instalment (Rs)	The one you are about to take on. Get it from the instalment calculator first.
Every other instalment (Rs)	Car, personal loan, credit card minimum, committee. Everything the bank will see on your statement.

The two instalment boxes are added together.
That total is divided by your income and shown as a percentage.
Above 35% the figure turns red, because that is where most banks in Pakistan stop.

A worked example

41% of income — above the usual limit. Clearing the car would bring it to 30% and change the bank's answer entirely.

Leaving out the credit card because you "always pay it off". The bank counts the minimum payment anyway.
Using gross income instead of take-home.
Counting a bonus as monthly income.

It is a rule of thumb, not a policy. Different banks use different ceilings.
It ignores your savings, which matter to a bank almost as much.
It says nothing about whether the instalment is comfortable for you — only whether a bank will allow it.