1%p lower3.5%
Estimated DTI
26.94%Money calculator
Korea DTI Calculator
Estimate DTI from annual income, mortgage terms and annual interest on other debt, then compare a selected Korean threshold.
Korean terms on this page
Tap a term for a plain-English explanation.
총부채상환비율(DTI)Debt-to-income ratio (DTI)＋
Annual mortgage principal and interest plus interest on other debt, divided by annual income.
연간 원리금Annual principal and interest＋
The combined loan principal and interest expected to be repaid during one year.
STEP 1
Enter your values
RESULT
30.4%Estimated DTI
Simplified first-year DTI under the selected Korean threshold.
First-year mortgage principal and interest₩18,240,671
Annual interest on other debt₩0
Annual debt-service limit₩36,000,000
Annual headroom₩17,759,329
Actual lender calculations may use different recognized income, maturity and repayment conventions, exemptions and relief rules.
WHAT IF
What changes when Mortgage interest rate changes?
Compare the main result without re-entering every field.
Current input4.5%
Estimated DTI
30.4%1%p higher5.5%
Estimated DTI
34.07%Input guide
What each value means
Annual income
Use the amount or value shown on the relevant contract, statement or record.
Mortgage amount
Use the amount or value shown on the relevant contract, statement or record.
Loan term
Use the amount or value shown on the relevant contract, statement or record.
Mortgage interest rate
Use the amount or value shown on the relevant contract, statement or record.
Repayment method
Choose the option that matches the conditions you want to calculate.
Annual interest on other debt
Use the amount or value shown on the relevant contract, statement or record.
DTI threshold to compare
Choose the option that matches the conditions you want to calculate.
How it works
Korea DTI Calculator formula
DTI = (annual mortgage principal and interest + annual interest on other debt) ÷ annual income × 100
Uses estimated first-year mortgage cash flow for the selected repayment method.
Example
Example calculation
Compare first-year debt service on a KRW 300m mortgage with KRW 60m annual income.
- Standard
- Selectable 2026 Korean DTI thresholds; simplified first-year estimate
- Last reviewed
- August 25, 2026
Standards and sources
Calculated from official or reliable reference material.
Questions
Korea DTI Calculator FAQ
What should I enter in the Korea DTI Calculator?
Enter the requested values and the result will update immediately. Review the formula, assumptions and exclusions below the result.
Is the result an official amount?
No. It is an estimate based on the entered conditions and stated assumptions. Confirm important tax, insurance, employment or financial decisions with the relevant institution or a qualified professional.
Are Korean rules used?
Yes. This calculator applies commonly applicable South Korean rules reviewed for 2026.
Related searchesKorea DTIdebt to incomemortgage affordabilityKorean mortgage
Useful next steps