Consumer Credit Counseling, Debt Management and Debt Education

Calculate Debt to Income Ratio

Measure what you owe against your income. Use the form below to get a rough idea of your debt-to-income ratio to see if your debt is higher than your income can manage. The projections generated by this financial calculator are only estimates.

Mortgage or rent monthly:

Monthly car payments :

Monthly credit card payments (minimum) :

Other payments :

A. MONTHLY DEBT PAYMENTS :		Calculate A

Annual gross income :

Bonuses / Overtime :

Additional Income :

Money received from other sources :

B. TOTAL (before tax, divided by 12) :		Calculate B

A ÷ B =		Ratio

IF Your debt-to-income ratio is :

35% or less : This is a healthy debt load to carry for most people.
36% to 42% : It's time to start paying close attention to your debt before problems arise.
43% to 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 this financial calculator 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.