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Check your approximate creditworthiness: maximum instalment and loan amount based on your income. Free credit capacity simulator.
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DTI calculator — debt-to-income ratio
DTI is the ratio of monthly debt payments to gross monthly income. Banks use it to assess creditworthiness — the standard threshold is 40–50%.
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How we calculate DTI
DTI = (total monthly obligations / gross income) × 100%. Obligations include loan payments, leasing, minimum credit card payments and other regular debt.
Example: PLN 6,000 gross income, PLN 1,200 loan payment
Gross income PLN 6,000, mortgage PLN 1,200: DTI = 1200/6000 × 100 = 20%. Safe level, below 36%.
Frequently asked questions
Results are indicative. Banks may apply their own definitions and DTI thresholds.
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