Debt service and DTI calculator

Combine mortgages, consumer loans and credit limits to understand how much of your income goes to debt servicing and how resilient your household budget is.

What questions can you answer?

  • ★ Multiple loans – track mortgages, car loans and credit cards in a single view.
  • ★ Automatic DTI – compare your ratio with KNF recommendations for Polish lenders.
  • ★ Rate stress tests – simulate +200 bp or +400 bp interest rate shocks to gauge risk.
  • ★ Strategy comparison – see how overpayments or refinancing reduce long-term costs.

Example scenarios

Family scenario

DTI 37%

11k PLN net income with a 420k PLN mortgage and two smaller loans stays within KNF guidelines.

Rate increase

+2.5 pp

Monthly instalments jump by 680 PLN, signalling the need for a larger emergency fund.

Debt reduction

-14% cost

A one-off 30k PLN overpayment cuts 62k PLN of interest and shortens the schedule by 28 months.

Calculate your DTI Compare with investing