Debt-to-Income Calculator

Debt-to-Income Ratio is the ratio of your income versus your debt level. A high percentage of debt versus income will put you in the high-risk borrower category.

Debt-to-Income Calculator

Monthly Income


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*You do not need to include information about alimony, child support, or separate maintenance income unless you want it to be considered.


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Monthly Payments


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Legend

50% or greater
Get professional help to aggressively reduce debt.

49% to 40%
Financial difficulties are probably imminent unless you take immediate action.

39% to 35%
Not bad, but start paying off debt now before you get in real trouble.

34% or below
This is a healthy debt load to carry for most people.


*The calculators found on this website are not guaranteed to be applicable to your particular set of circumstances.




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