BBB
Become Debt Free
Qualifying Debt
  • Credit Cards
  • Retail Store cards
  • Gas Cards
  • Medical Bills
  • Personal Loans
  • Other Unsecured Debt
Non-Qualifying Debt
  • Home/Real Estate Loans
  • Student Loans
  • Auto Loans
  • Judgements
  • Other Secured Debts
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Calculate Your Debt to Income Ratio

Measured what you owe against your income. Use the form below to get a rough idea of your debt-to-income ratio to see if your debt is higher than your income can manage. The projections generated by this financial calculator are only estimates.

Mortgage or rent monthly:
Monthly car payments :
Monthly credit card payments (minimum) :
Other payments :
A. MONTHLY DEBT PAYMENTS :

Annual gross income :
Bonuses / Overtime :
Additional Income :
Money received from other sources :
B. TOTAL (before tax, divided by 12) :

A รท B =

IF Your debt-to-income ratio is :
35% or  less : This is a healthy debt load to carry for most people.
36% to 42% : It's time to start paying close attention to your debt before problems arise.              
43% to 49% : Take immediate action as financial difficulties are probably imminent.
50% or more : Get professional help to aggressively reduce debt.


Disclaimer: The projections generated by this financial calculator are only estimates. The resulting information provided herein is only intended for informational purposes. It is not guaranteed to be 100% accurate and should not be relied upon to make a financial decision.

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