🏦 تتبع القروض والديون

The **Debt-to-Income (DTI) ratio** measures the percentage of your monthly pre-tax (or take-home) income that goes toward paying fixed debt obligations like loans and credit card EMIs. Financial advisors use this ratio to benchmark your financial risk:

• Below 30% (Healthy): You have a safe level of debt. Most of your income is available for savings, investments, and discretionary spending. Banks will eagerly approve new loans.
• 30% to 50% (Moderate): Your debt load is manageable but leaves less buffer. You must monitor outgoings to ensure sudden emergencies do not stress your monthly cash flows.
• Above 50% (Critical): Over half of your earnings directly pays off debt. You are over-leveraged, and a temporary income loss can lead to default. Avoid any new loans and focus on prepaying active high-interest debts.

Our tracker stores your data locally and securely on your browser. Bookmarking this page lets you log due dates and audit debt ratios on a monthly basis to work toward a debt-free life.