Educational Resources

Debt-to-Income Ratio Information

Discover how much of your income goes to credit payments. Complete the form below to get an idea of your debt-to-income ratio. And when you are done, you can also track your expenses with a family budget spreadsheet!


Monthly Payment Obligations Example Yours
Mortgage (Including Taxes and Insurance) $520 $ .00
Store Credit Cards $100 $ .00
Bank Credit Cards $40 $ .00
Cars $185 $ .00
Student Loans $50 $ .00
Other Monthly Loans $85 $ .00
Total Monthly Debt $980 $ .00
Gross Monthly Income $3,000 $ .00
Debt-to-Income Ratio 33% %*
    

*How do you compare?

Debt to Income Ratio Considered
0 - 20% Good
21 - 30% Moderate
31 - 40% Getting High
> 40% High - Look for ways to reduce your debt obligations