DBR Calculator – Calculate Your Debt Burden Ratio in UAE

Use our advanced DBR calculator to quickly estimate your Debt Burden Ratio (DBR) and determine your loan and credit card eligibility. This tool helps you understand how banks calculate DBR and how it impacts your ability to get approved for personal loans, car loans, and credit cards in the UAE.

What is DBR (Debt Burden Ratio)?

DBR is a financial metric used by banks to assess a person’s ability to repay loans. It compares your monthly debt obligations (like loan EMIs and 5% (may vary) of total credit card limit) to your income. In the UAE, almost all banks require your DBR to be below 50% for new loan or credit card approvals.

How to Calculate DBR for a Loan?

To calculate DBR for a loan:

• Add all your monthly loan EMIs. (If available)
• Add 5% of credit cards limit. (e.g., 5% DBR credit card method)
• Divide the total monthly obligations by your monthly income.
• Multiply by 100 to get your DBR percentage.

DBR Calculation for Credit Card Users

For DBR calculation for credit card, most UAE banks use a standard percentage of your total credit limit. For example, if you have AED 20,000 in credit limit and the bank uses 5%, they will assume AED 1000 as your monthly obligation. This is known as the 5% DBR credit card method.

Why Use Our DBR Calculator?

• Accurate DBR calculation results for salary, loans, and credit cards.
• Supports both fixed and reducing interest types.
• Works with all major UAE banks like Emirates NBD, Emirates Islamic, ADCB, FAB, Mashreq, RAK, DIB, Citi or others.
• Includes overtime allowance, incentives, other allowance feature for calculating credit card eligibility.