Debt-to-Income Calculator

Advertiser Disclosure

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


$

$

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


$

Monthly Payments


$

$

$

$

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.

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

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CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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