Free Debt-to-Income (DTI) Calculator for New Zealanders
The RBNZ introduced DTI restrictions on NZ home lending in 2024. Lenders look at two ratios: front-end (housing costs over income) and back-end (all debt payments over income). Common healthy thresholds are 28% front-end and 36% back-end.
Your numbers
$9,000
$
$2,200
$
$2,500
$
Back-end DTI ratio
52%
all debts as % of gross income
Based on $9,000 gross monthly income, $2,200 housing, and $2,500 other debts.
Front-end ratio (housing / income)24.4%
Back-end ratio (all debts / income)52.2%
Healthy front-end threshold28%
Healthy back-end threshold36%
Headroom to 36% back-end- $1,460
About our DTI Calculator Calculator
Disclaimer: This calculator is for information only and does not constitute financial advice. Real-world figures may differ due to fees, rounding, rate changes, and policy specifics. Always confirm figures with the relevant provider before signing anything.