28/36 Housing & Debt Rule Calculator

Calculate housing and total debt service limits using the 28/36 rule to check home buying and loan qualification eligibility.

28/36 Rule Housing & Debt Assessment

Mortgage & Debt Affordability Status

Housing DTI (Front-End)

25.0% (Limit: 28%)

Total Debt DTI (Back-End)

33.0% (Limit: 36%)

Max Recommended Housing Cost

₹28,000

Overall Affordability Status

Approved / Healthy

Monthly Expense Ratio

📊 Related Tools & Budgeting Rules

About 28/36 Housing & Debt Rule Calculator

28/36 Rule Calculator — A classic mortgage and debt affordability rule: spend at most 28% of gross monthly income on housing expenses and no more than 36% on total debt service.

Understanding 28/36

  • 28% Front-End Ratio: Max rent/mortgage + property taxes + home insurance.
  • 36% Back-End Ratio: Max housing costs + credit cards + car loans + student loans.

About 28/36 Housing & Debt Rule Calculator

28/36 Rule Calculator — A classic mortgage and debt affordability rule: spend at most 28% of gross monthly income on housing expenses and no more than 36% on total debt service.

Understanding 28/36

  • 28% Front-End Ratio: Max rent/mortgage + property taxes + home insurance.
  • 36% Back-End Ratio: Max housing costs + credit cards + car loans + student loans.