Calculate your debt

Calculate your debt-to-income ratio

Measured what you owe against your income. Use the form below to get a rough idea of your debt-to-income ratio to see if it is higher than your income can manage.

Mortgage or rent monthly:
Monthly car payments
Monthly credit card payments(minimum):
Other payments:
A. MONTHLY DEBT PAYMENTS:
Annual gross income:
Bonuses/overtime:
Additional income:
Money received from other sources:
B. TOTAL (before tax, divided by 12):
A ÷ B =

IF Your debt-to-income ratio is:
35% or less: This is a healthy debt load to carry for most people.
36%-42%: It's time to start paying close attention to your debt before problems arise.
43%-49%: Take immediate action as financial difficulties are probably imminent.
50% or more: Get professional help to aggressively reduce debt

Disclaimer: The projections generated by the financial calculators are only estimates. The resulting information provided herein is only intended for informational purposes. It is not guaranteed to be 100% accurate and should not be relied upon to make a financial decision.