Is your debt-to-income ratio too high?

Compare recurring monthly debt with gross monthly income.

When this calculator is useful

Measure how much of your gross monthly income is committed to recurring debt payments.

What to enter

Enter gross monthly income plus housing, auto, student-loan, credit-card minimum, personal-loan and other recurring debt payments.

How to read the result

The debt-to-income ratio compares total listed monthly debt with gross monthly income. The remaining-income figure shows gross income left after those listed debts.

Questions worth testing

Test the effect of paying off one debt, increasing income, or taking on a new monthly payment.