Debt-to-Income Calculator

Your debt-to-income ratio is the share of your gross monthly income that goes toward repaying debt. Divide your total monthly debt repayments by your gross monthly income, then multiply by 100. For example, ₱15,000 of repayments on ₱80,000 income is a DTI of about 18.8%. Philippine lenders use it to judge how comfortably you could take on a home loan.

Lenders generally prefer a DTI at or below around 36%, and many cap the share of income going to the new home loan at roughly 30–40%. A lower ratio signals more room to repay and tends to support approval at a sharper rate. Every bank sets its own thresholds, so Nook compares 20+ lenders for free to find the one most likely to approve you.

DTI = (total monthly debt repayments ÷ gross monthly income) × 100. Include recurring obligations such as credit-card minimums, car loans, personal loans and any existing housing repayment. Use your gross income — before tax and deductions. This calculator does the maths for you the moment you move the sliders.

Include regular monthly debt repayments: credit-card minimum payments, car or auto loans, personal and salary loans, co-maker obligations you actually pay, and any current home loan repayment. You normally exclude living costs like utilities, groceries and rent unless a lender asks for them. If you're unsure what a specific bank counts, a Nook consultant can confirm before you apply.

Not necessarily. A higher DTI makes approval harder and may limit how much you can borrow, but different banks have different appetites and some weigh other factors like income stability and the property. Lowering existing debts or adding a co-borrower can help. Nook reviews your profile and matches you to the lender most likely to say yes — at no cost to you.

Yes — Nook is 100% free for borrowers. Banks pay Nook a commission once your loan is released, so you pay nothing. A dedicated Nook consultant runs your entire application end to end: comparing 20+ banks, preparing the paperwork and chasing the bank, so you never fill in bank forms or visit a branch yourself.

Pay down or close high-balance credit cards and short-term loans, avoid taking on new debt before applying, and increase documented income where you can. Even small reductions in monthly repayments can move your DTI into a healthier band. Nook can run the numbers with you and pre-qualify you in about 3 minutes to show where you stand.