How do I use the debt burden ratio calculator (UAE)?
- Enter your regular monthly income.
- Add existing loan instalments and card repayments.
- Add the instalment of the loan you are planning, then check the result.
Why does the 50% rule exist?
The Central Bank introduced it to stop households taking on more debt than they can repay. Banks must check your DBR before approving any new loan or card.
How banks calculate it in practice
Each bank applies its own policy on top of the rule — for example how much of your card limits to count, or how to treat rental or business income. Two banks can calculate slightly different DBRs for the same person.
Debt burden ratio calculator (UAE): frequently asked questions
What is the debt burden ratio?
Your total monthly debt repayments divided by your monthly income, shown as a percentage.
What is the maximum DBR in the UAE?
UAE Central Bank rules say repayment instalments for all loans at all banks must not exceed 50% of the borrower’s regular income.
Do credit cards count?
Yes. Banks include card repayments in the calculation, often using a percentage of the card limit rather than what you actually pay. Ask your bank which method it uses.
Does my mortgage count?
Yes. All loan repayments, including mortgages, car loans and personal loans, count towards the 50% limit.
What income do banks use?
Regular income such as salary and fixed allowances. Variable income may be partly counted or excluded.
What is a healthy DBR?
Many advisers suggest staying under about 30–35% so you still have room for savings and emergencies.
How can I lower my DBR?
Pay down or consolidate debts, reduce card limits you do not use, or extend loan terms within the legal limits.
Is this the same as my credit score?
No. Your Al Etihad Credit Bureau score reflects repayment history. DBR is a separate affordability check.
Are these calculations based on UAE rules?
Where a UAE rule applies (VAT, labour law, mortgage limits) the tool follows it and names the source. Rules change, so confirm important figures with the relevant authority.
Is the debt burden ratio calculator (uae) free?
Yes. It is free with no sign-up and no usage limits for normal use.