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Debt to Income Calculator

Find out if your debt is in a healthy range compared to your income.

Feeling stressed about the higher prices for almost everything is normal. But how can you tell if you have too much debt?

There’s a simple tool called the debt-to-income ratio. It looks at how much money you make versus how much you’re spending on debts. It’s an important part of determining your credit score, and is a standard calculation used by banks and lenders. Curious about your ratio?

Simply move the sliders below to get started.  

Your Debt to Income Ratio


Congrats! Your debt-to-income percentage is looking great, so keep doing what you’re doing. If you need any tips, or just want to learn more about money management, we’ve got your back!

Your debt-to-income percentage is at a level where you might benefit from some financial guidance to keep it from getting higher. We’re here to help, so let’s chat!

Your debt-to-income percentage is too high, and we recommend exploring the options available to reduce your debt. The good news is you’re not alone, we’re here to help get you back on track.

Calculator Details:

Less than 36%: Your debt is in a healthy range compared to your income. This is good for your credit score and your financial health.
36% to 49%: While this ratio is in an acceptable range, it also means that you’re getting close to a high debt-to-income ratio. This could hurt your credit score and make it harder to borrow money or get a mortgage.
Above 50%: A debt-to-income ratio above 50% is high and can impact your financial health and ability to borrow money.

This calculator simply provides an estimate of your debt-to-income ratio and is for demonstration purposes only. Actual results may vary based on your unique financial situation.

Ready to chat? We’re ready to listen – and help.

It’s easy. Click the FREE CONSULTATION button below, or give us a call!

When I spoke with the team, they went through all the forms and explained everything, what is expected of me and what they can do for me. They made it so my debt payments are reasonable. As well, they are also going to work with you to rebuild your credit. One usually knows what went wrong, but don’t know how to get out of it and rebuild so you don’t make the same mistakes twice and this is what they will help me with.

— Antonya T., 2023