DTI Calculator
Debt-to-income ratio (NZ RBNZ DTI cap is 6).
NZ$
Debts
NZ$
NZ$
NZ$
NZ$
DTI ratio
4.33
Within owner-occupier cap of 6.
| Total debt | $520,000.00 |
|---|---|
| Annual income | $120,000.00 |
| DTI | 4.33 |
| RBNZ cap | 6 (owner-occupier) / 7 (investor) |
About this calculator
DTI = total debt ÷ gross annual income. The Reserve Bank caps owner-occupier DTI at 6 (since mid-2024).
- Investor cap is DTI 7.
- 20% of new lending may breach the cap as a "speed-limit" buffer.
Frequently asked questions
What counts as debt?
All of it: mortgage, car loan, credit-card limits, student loan principal, personal loans.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.