DTI Checker NZ

This NZ DTI checker adds the proposed mortgage and existing debt, then divides total debt by gross annual household income to estimate a simple debt-to-income ratio. It is a broad planning ratio, not a bank serviceability test.

Use it to compare scenarios before assuming a loan size feels comfortable. General information only. Estimate only. Results depend on user inputs.

With $745,000 total debt and $180,000 gross annual income, the estimated DTI is about 4.1x.

If existing debt rises or income falls, the ratio increases even when the proposed mortgage stays the same.

• Income and debt figures are entered by you and are not verified.
• The target DTI ratio is a scenario threshold only.
• Does not account for lender policy, expenses, dependants, credit history, or serviceability rules.

This checker does not include living expenses, dependants, interest-rate buffers, credit history, rental income treatment, lender policy, tax, insurance, or other serviceability rules.

It does not imply lending approval, affordability, borrowing capacity, or compliance with any bank threshold. Not legal, financial, tax, valuation, mortgage, insurance, investment, property, lending, or compliance advice.

The estimate is a simple total debt divided by gross annual income calculation using figures entered by the user. Review any borrowing scenario with lender calculators, a mortgage adviser, bank assessment, and current lending criteria.

Use the buyer property planning workflow to compare DTI with LVR, deposit, repayment, and buying-cost estimates.

Relevant guides: DTI vs LVR: what each ratio shows and First Home Buyer Checklist NZ.