Financial Education

Debt to Income Ratio Information & Calculation

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!


Mortgage Debt to Income Ratio Calculator
Monthly Payment Obligations Example Yours
Mortgage (including tax & insurance) $850 $.00
Credit Card (minimum payment) $100 $.00
Car Loan Payment(s) $250 $.00
Other Payment/Loan Obligation(s) $150 $.00
Annual Income
Annual Gross Salary $53000 $.00
Bonus and Overtime $450 $.00
Other Income $250 $.00
Alimony Received $350 $.00
Debt-to-Income Ratio 30%
RESULT
Your Current Debt to Income Ratio Is:
  %*
 


*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