{"id":11249,"date":"2025-07-09T12:36:22","date_gmt":"2025-07-09T12:36:22","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=11249"},"modified":"2026-01-28T12:41:53","modified_gmt":"2026-01-28T12:41:53","slug":"what-is-debt-to-income-ratio-and-how-to-calculate","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/what-is-debt-to-income-ratio-and-how-to-calculate\/","title":{"rendered":"What is Debt-to-Income Ratio and How to Calculate it?"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><nav><ul><li class=\"\"><a href=\"#what-is-debt-to-income-ratio\">What is Debt-to Income Ratio?<\/a><\/li><li class=\"\"><a href=\"#how-to-calculate-your-debt-to-income-ratio\">How to Calculate Your Debt-to-Income Ratio?<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#why-is-it-important-to-know-debt-to-income-ratio\">Why is it Important to Know the Debt-to-Income Ratio?\u00a0<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#conclusion\">Conclusion<\/a><\/li><li class=\"\"><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>To achieve your goals and manage your money effectively, you should understand the key metrics of personal finance. One of the vital metrics is the <strong>debt-to-income ratio or DTI. <\/strong>If you are planning to apply for a loan, buy a house, or assess your financial health, knowing your DTI will provide valuable insights to you.&nbsp;&nbsp;<\/p>\n\n\n\n<p>It\u2019s a simple but powerful number that can decide whether you get approved for a loan. Yet many people aren\u2019t fully aware of how it works, so through this blog we can delve into <strong>what is debt-to-income ratio<\/strong>, how to calculate and why it is important for financial journey in detail.&nbsp;&nbsp;<\/p>\n\n\n\n<iframe class=\"custom-video\" src=\"https:\/\/www.youtube.com\/embed\/I6YdbNcPfvA?si=2nHlr-Q5dMS50rh-\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-beb47c6313a2abcb7202a73f3542c8c7\" id=\"what-is-debt-to-income-ratio\" style=\"color:#023368\">What is Debt-to Income Ratio?<\/h2>\n\n\n\n<p>The <strong>debt-to-income ratio (DTI) <\/strong>is a personal finance measure that will compare your total monthly or annual debt payments to your monthly or annual income. It shows the answers as a percentage, and you can easily understand how much of your income is dedicated to covering your debts. And also, DTI is an essential component of the risk assessment process because it will provide a clear picture of how much your income is already tied up.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Lenders like banks and credit unions are using the DTI ratio as a critical tool to assess your creditworthiness and your capacity to take out a new debt. If you have a low DTI, it means you have a good balance between your income and your debt, so you don\u2019t struggle with additional monthly payments. But if you have high DTI, make lenders hesitant to approve new loans because it signals financial strain.&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-7b1bfac0d9b4802a2ec952f580cad02e\" id=\"how-to-calculate-your-debt-to-income-ratio\" style=\"color:#023368\">How to Calculate Your Debt-to-Income Ratio?<\/h2>\n\n\n\n<p>The calculation of your <strong>debt-to-income ratio <\/strong>is a straightforward process, but it needs the correct information about your monthly debt payment and your gross monthly income. Here&#8217;s a step-by-step guide:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-060071b4afe2071f988305cee916694d\" id=\"step-1-calculate-your-total-gross-monthly-income\" style=\"color:#ec4d37\">Step 1: Calculate Your Total Gross Monthly Income&nbsp;<\/h3>\n\n\n\n<p>Gross monthly income means the total amount of money that you earn in a month before taxes, reductions, or payroll contributions are taken out. This includes;<\/p>\n\n\n\n<p>\ud83e\udc16 Commissions&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Bonuses&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Tips&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Child Support&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Social Security Benefits&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Disability Income&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Any other regular income sources&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-052b2c937e4d21d118004a25f3098b4a\" id=\"step-2-calculate-your-total-monthly-debts\" style=\"color:#ec4d37\">Step 2: Calculate Your Total Monthly Debts&nbsp;<\/h3>\n\n\n\n<p>Next you sum up all your monthly debt payment, that include the following;&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Housing Payments (like rent payments, monthly mortgage payment, house owners&#8217; association fees, etc.)&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Loan Payments (like education loan, personal loan, any other installment loan payments, etc.)&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Credit Card Payments&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Other Debts&nbsp;<\/p>\n\n\n\n<p><strong>Important Note: <\/strong>If you are calculating your DTI, certain regular expenses are not included that include;&nbsp;&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Groceries&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Utilities&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Bills (phone, internet, insurances)&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Transportation&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Taxes (income and sales tax)&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Entertainment expenses&nbsp;<\/p>\n\n\n\n<p>\ud83e\udc16 Savings&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-f5e57e0a0d5df57e53a31832c89a1ada\" id=\"step-3-apply-the-debt-to-income-ratio-formula\" style=\"color:#ec4d37\">Step 3: Apply the Debt-to-Income Ratio Formula&nbsp;<\/h3>\n\n\n\n<p>Once you calculate your total gross monthly income and your total monthly debts, now you apply this formula;&nbsp;<\/p>\n\n\n\n<p><strong>Debt-to-Income Ratio (DTI) = (Total Monthly Debt Payments \u00f7 Gross Monthly Income) \u00d7 100<\/strong>&nbsp;<\/p>\n\n\n\n<p><strong>Example:&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p>If your monthly debt is \u20b933,000 (including your rent, car payment, and credit card minimums) and your gross monthly income is \u20b91,00,000.&nbsp;<\/p>\n\n\n\n<p>Calculate DTI through;&nbsp;<\/p>\n\n\n\n<p>DTI = (\u20b933,000 \u00f7 \u20b91,00,000) \u00d7 100 DTI = 0.33 \u00d7 100 DTI = 33%&nbsp;<\/p>\n\n\n\n<p>You can also use a debt-to-income ratio calculator online like Wells Fargo&#8217;s or Calculator.net. By using these calculators, you can easily get the findings but understand the manual process and ensure you\u2019re including all relevant figures accurately.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/open.navia.co.in\/index-navia.php\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"149\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png\" alt=\"Debt-to-Income Ratio\" class=\"wp-image-9412\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-300x44.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-150x22.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-768x112.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-1f1d9e9a61d7c035316c66fa12075996\" id=\"why-is-it-important-to-know-debt-to-income-ratio\" style=\"color:#023368\">Why is it Important to Know the Debt-to-Income Ratio?&nbsp;<\/h2>\n\n\n\n<p>Knowing your <strong>debt-to-income ratio <\/strong>is very important because that impacts both your immediate financial standing and your long-term financial goals. Some of the major factors are detailed below;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-91cd36a35e6edbfb54e4a843a2ba667a\" id=\"lender-assessment-for-loans\" style=\"color:#ec4d37\">Lender Assessment for Loans&nbsp;<\/h3>\n\n\n\n<p>DTI ratio is a primary metrics lenders use to determine your eligibility for loans, but the limit of DTI varies depending on loan products and lenders.&nbsp;&nbsp;<\/p>\n\n\n\n<p>a) <strong>Below 36%:<\/strong> It is considered a good DTI. Lenders view this as a healthy balance, confirming that you can manage existing debts and are comfortable providing new loans to you.&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<p>b) <strong>36% to 43%: <\/strong>This range is often acceptable particularly for mortgage lenders using a &#8220;back-end&#8221; ratio that includes housing costs. However, it might require a strong credit score.&nbsp;&nbsp;<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<p>c) <strong>Above 43%: <\/strong>It seen as a high DTI, some lenders might approve loans with a DTI above this, but it comes with higher interest rates or stricter terms.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-88d84c01ac27394c5d7eee92b86d02b2\" id=\"financial-health-check\" style=\"color:#ec4d37\">Financial Health Check&nbsp;<\/h3>\n\n\n\n<p>Your DTI provides a clear picture of your personal financial health. So, if you have a high DTI, it means too much of your income is going towards debt and less savings. Regular checking of your DTI will help to monitor your financial well-being and identify if you&#8217;re becoming overleveraged.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-7cec38e3fa6ac972d459f9640acd8857\" id=\"informing-financial-decisions\" style=\"color:#ec4d37\">Informing Financial Decisions&nbsp;<\/h3>\n\n\n\n<p>Knowing your DTI will help to make informed decisions about taking on new debt. It can guide you on <strong>how much debt-to-income ratio is good <\/strong>for your personal situation.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-c697e2649cbb8320440dd5fc933e9195\" id=\"risk-management\" style=\"color:#ec4d37\">Risk Management&nbsp;<\/h3>\n\n\n\n<p>The high DTI leads to many unexpected financial challenges like job loss, medical emergencies, or other expenses. So, you should maintain a lower DTI to reduce this financial risk and build resilience against life&#8217;s uncertainties.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-5c6c27297d730fa3a4d2ea0f4ae98e8a\" id=\"conclusion\" style=\"color:#023368\">Conclusion<\/h2>\n\n\n\n<p>Don\u2019t think that debt-to-income ratio is just a number; it is a critical barometer of your financial stability and your ability to manage debt effectively. A healthy DTI not only improve your chances of loan approval, but it also offers responsible financial management. Regularly monitoring and actively working to improve your DTI is the smart step that you are taking for your financial future.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Discover how <strong><a href=\"https:\/\/navia.co.in\/\">Navia<\/a> <\/strong>can simplify your investments, open your account today!&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<p>We\u2019d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9a07b674a5b87db9730c3cf59dbbb76b\" id=\"frequently-asked-questions\" style=\"color:#023368\">Frequently Asked Questions<\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-7010a464-b504-4b99-808a-3f79103ff782\" data-mobilecollapse=\"true\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-0-7010a464-b504-4b99-808a-3f79103ff782\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-7010a464-b504-4b99-808a-3f79103ff782\" style=\"color: #000000; \"><strong>What is a good debt-to-income ratio?\u00a0<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-7010a464-b504-4b99-808a-3f79103ff782\">\n\n<p>A good debt-to-income (DTI) ratio is generally 36% or lower. Lenders often prefer a DTI below 30% to ensure you can manage repayments comfortably.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-1-7010a464-b504-4b99-808a-3f79103ff782\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-7010a464-b504-4b99-808a-3f79103ff782\" style=\"color: #000000; \"><strong>What is the formula for DTI?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-7010a464-b504-4b99-808a-3f79103ff782\">\n\n<p>You can calculate your Debt-to-income through this formula;\u00a0<\/p>\n\n\n\n<p>Debt-to-Income Ratio (DTI) = (Total Monthly Debt Payments \u00f7 Gross Monthly Income) \u00d7 100\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-2-7010a464-b504-4b99-808a-3f79103ff782\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-7010a464-b504-4b99-808a-3f79103ff782\" style=\"color: #000000; \"><strong>How can I improve my debt-to-income ratio?\u00a0<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-7010a464-b504-4b99-808a-3f79103ff782\">\n\n<p>You can improve your Debt-to-income ratio by either increasing your gross monthly income (e.g., taking a side job) or, more commonly, by reducing your total monthly debt payments.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-3-7010a464-b504-4b99-808a-3f79103ff782\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-7010a464-b504-4b99-808a-3f79103ff782\" style=\"color: #000000; \"><strong>Is my DTI the only factor lenders consider?\u00a0<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-7010a464-b504-4b99-808a-3f79103ff782\">\n\n<p>No, DTI is one of several factors. Lenders also consider your credit score, credit history, down payment amount (for mortgages), assets, employment history, and savings.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-4-7010a464-b504-4b99-808a-3f79103ff782\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-7010a464-b504-4b99-808a-3f79103ff782\" style=\"color: #000000; \"><strong><strong>How does DTI differ from credit scores?\u00a0<\/strong>\u00a0<\/strong><\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-7010a464-b504-4b99-808a-3f79103ff782\">\n\n<p>A credit score assesses your past payment behavior and credit history, and DTI measures your current capacity to take on and manage additional debt based on your income versus existing debt payments.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p><strong>DISCLAIMER:<\/strong>&nbsp;<strong>Investments in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Full disclaimer:&nbsp;<a href=\"https:\/\/bit.ly\/naviadisclaimer\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong>.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To achieve your goals and manage your money effectively, you should understand the key metrics of personal finance. One of the vital metrics is the debt-to-income ratio or DTI. If you are planning to apply for a loan, buy a house, or assess your financial health, knowing your DTI will provide valuable insights to you.&nbsp;&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[586,587,11,32],"class_list":["post-11249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-debt-to-income-ratio","tag-dti","tag-financial-goals","tag-wealth-creation"],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/07\/What-is-Debt-to-Income-Ratio-and-How-to-Calculate-it-1.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=11249"}],"version-history":[{"count":18,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11249\/revisions"}],"predecessor-version":[{"id":15713,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/11249\/revisions\/15713"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/11256"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=11249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=11249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=11249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}