Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are too far in debt and a high risk for new credit. Learn more about improving your debt ratio via debt management and get a free counseling session with an experienced and certified debt counselor by filling out the form to the right. |
Monthly gross income:
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Spouse’s monthly income after taxes:
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Other monthly income:
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Monthly rent/mortgage payment:
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Monthly 2nd mortgage payment:
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Total of all monthly car/vehicle payments:
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Total of all monthly credit union loan payments:
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All other monthly consumer loan payments:
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Total of all monthly minimum charge card payments (Visa, Mastercard, dept. store, etc.):
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Other monthly payments:
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Pending monthly loan payments:
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Your total income:
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Your total monthly payments:
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Your debt ratio:
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