DBR Calculator

Debt Burden Ratio (DBR) = Total Monthly Debt Obligations ÷ Gross Monthly Income. Credit card treatment: choose 5% of limits, 5% of outstanding, or minimum due.

Income

Gross monthly income (primary)

Other monthly income (optional)

Loans & Fixed Obligations

Add any recurring monthly repayments (personal loan, auto loan, student loan, mortgage, installments, etc.).

Description	Monthly Payment

Credit Cards

Choose a method: 5% of limits (common), 5% of outstanding, or the minimum due.

Count 5% of credit limits Count 5% of outstanding Use minimum monthly due

Card	Limit	Outstanding	Min Due

Credit card monthly obligation (used in DBR): AED 0

Values auto-calculate as you type.

Debt Burden Ratio

Target threshold %

Enter your details to compute DBR.

Total monthly income

AED 0

Total monthly obligations

AED 0

Room at target

AED 0

Amount you could add (or need to reduce) to be at the selected threshold.

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