🏦 Suivi de Devises et De Dettes
Free DashboardGerez vos prêts actifs, suivez les mensualités EMI à venir et surveillez votre ratio d'endettement à l'aide du stockage local du navigateur.
Monthly Net Income
₹60,000
₹20,000₹3 Lakh
Total Monthly EMIs
₹26,500
Debt-To-Income Ratio: 44%
Debt Health Analysismoderate
Moderate debt level. Monitor your expenses carefully.
Add Active Loan
Active Debt Ledger
| Loan Details | Due Day | Months Left | EMI Amount | Action |
|---|---|---|---|---|
| Home Loan | Day 5 | 180 Months | ₹18,000 | |
| Car Loan | Day 10 | 36 Months | ₹8,500 |
Why Auditing Your Debt-to-Income (DTI) Ratio is Essential
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.