Debt-to-income ratio calculator
List your monthly debt payments (loans, cards, support you pay…) and your income. The acceptable level depends on the country and lender: there is no single limit.
Result
30.24%Debt-to-income ratio
- Debts per month
- 1,270.00
- Income per month
- 4,200.00
- Left after debts
- 2,930.00
Inputs
- Monthly debt payments
- 900; 250; 120
- Income
- 4200
- The income is
- Per month
How it is calculated
Monthly income = yearly income ÷ 12 if needed.
Result
Debt-to-income ratio
- Debts per month
- 1,270.00
- Income per month
- 4,200.00
- Left after debts
- 2,930.00
How it is calculated
- Monthly income = yearly income ÷ 12 if needed.
- Ratio = sum of debt payments ÷ monthly income × 100.
Example
Payments of 900, 250 and 120 a month for an income of 4,200: 1,270 of debts, ratio 30.24%, 2,930 left.
Good to know
- No worldwide legal threshold: each country or lender sets its rules (e.g. 35% in France, often 36 to 43% in the US).
- Some lenders count rent or gross income, others do not.
Frequently asked questions
What is this tool used for?
List your monthly debt payments (loans, cards, support you pay…) and your income. The acceptable level depends on the country and lender: there is no single limit.
How is the result calculated?
Monthly income = yearly income ÷ 12 if needed.
What should I check before using the result?
No worldwide legal threshold: each country or lender sets its rules (e.g. 35% in France, often 36 to 43% in the US).