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 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:

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: