DBR Calculator (UAE): Check Your Debt Burden Ratio
Enter your income, instalments and card limits to see your debt burden ratio against the UAE Central Bank’s 50% cap — instantly, in your browser, with nothing stored.
What the calculator counts
The debt burden ratio is your monthly debt commitments divided by gross monthly income. Under the UAE Central Bank's regulations on lending to individuals, new financing generally cannot take a borrower past 50% (30% for pensioners). Commitments include every loan and mortgage instalment — plus, in common bank practice, around 5% of your total credit card limits, whether you use the cards or not. That card rule is the line that quietly sinks otherwise healthy applications.
For the full picture — a worked example, how DBR differs from your credit score, and the three levers that bring an over-limit ratio down — read our guide: What is DBR in the UAE?
Calculator FAQs
01How does this DBR calculator work?
It applies the calculation UAE banks generally use: your monthly loan and mortgage instalments, plus around 5% of your total credit card limits, divided by your gross monthly income. The result is compared against the UAE Central Bank's 50% cap (30% for pensioners).
02Is this calculator accurate?
It gives a close estimate using the standard method, but each bank applies its own internal policy — some weight card limits differently or apply stricter caps than the regulation requires. Treat the result as a strong indicator, not a lending decision.
03Why do my credit card limits count even if I don't use the cards?
Banks typically treat about 5% of your total card limits as a monthly commitment because the limit is credit you could draw at any moment. Cancelling unused cards is often the fastest way to improve your ratio.
04What DBR do I need for a loan in the UAE?
New financing generally can't take your DBR above 50% of gross income under Central Bank regulations — 30% if you're a pensioner. Banks often prefer comfortable headroom below the cap rather than lending right up to it.
05What income counts in the calculation?
Gross salary plus regular, verifiable income from a defined source — documented rental income, for example. One-off bonuses and irregular earnings generally don't count.
06My DBR is over 50% — what now?
Banks are generally restricted from advancing new credit until it falls. The three levers: cancel or reduce unused card limits (fastest), settle small loans, or restructure — each explained in our full guide to the debt burden ratio in the UAE.
07Does the calculator store my information?
No. Everything is computed in your browser as you type — nothing you enter is sent to us or stored anywhere.
08Is this financial advice?
No — it's a general information tool. Lending decisions rest with individual banks, and the right move for your situation may need advice specific to your circumstances.
Is your ratio rising because customers aren't paying you?
Business owners often bridge unpaid invoices with personal borrowing — and watch their DBR climb. The durable fix is recovering the receivables. Free, confidential case review within 24 hours.