Debt Ratio Calculator


Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are not a good risk for lending money to.

Monthly gross income:

Spouse’s monthly income after taxes:

Other monthly income:

Monthly rent/mortgage payment:

Monthly 2nd mortgage payment:

Total of all monthly car/vehicle payments:

Total of all monthly credit union loan payments:

All other monthly consumer loan payments:

Total of all monthly minimum charge card payments (Visa, Mastercard, dept. store, etc.):

Other monthly payments:

Pending monthly loan payments:

Your total income:

Your total monthly payments:

Your debt ratio: