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Debt Service Ratio Tool – financial.co.ke
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Debt Service Ratio – Kenya
Debt Service Ratio Tool
Check what share of your monthly income is going to
total debt payments (rent/mortgage + all loans).
Many lenders prefer your DSR to be below 40–45% of gross income.
1. Your income
Used by most lenders when calculating DSR.
Optional – for your own budget view. We’ll show DSR vs net if you enter it.
2. Your monthly debt payments
Include all fixed monthly repayments:
rent or mortgage, SACCO loans, bank loans, mobile app loans, hire purchase,
credit card, etc.
Other monthly loan repayments:
Please enter a positive gross income and at least one debt payment (housing or loans).
3. Result & guidance
We show your DSR vs gross income (lender view) and vs net income (household view).
– %
Fill in your income and debt payments to see your debt service ratio.
Status: Not calculated
Total monthly debt paymentsKES 0.00
Gross income DSR– %
Net income DSR (optional)– %
Headroom before 40% (gross)KES 0.00
This tool is for education & planning only. Actual approval depends on each lender’s policy,
your full budget, dependants, existing credit history and security provided. Use this as an early warning
sign if your DSR is getting high.
