Debt-to-Income Calculator

Calculate your debt-to-income ratio to assess your financial health and borrowing capacity

Monthly Gross Income

Mortgage/Rent Payment

Car Payments

Credit Card Minimum Payments

Student Loan Payments

Other Debt Payments

Excellent: 0-20%

Very healthy financial position

Good: 21-36%

Manageable debt levels

Caution: 37-50%

Consider debt reduction

High Risk: 50%+

Focus on debt reduction

Consider side hustles, asking for a raise, or developing new skills for better-paying opportunities

Focus on credit cards and personal loans first, as they typically have the highest interest rates

Resist taking on new loans or credit card debt while working to improve your ratio

Consolidating high-interest debts into a lower-rate loan can reduce monthly payments