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: