Debt Ratio Calculator

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When determining your ability to repay a loan, creditors will consider your debt-to-income ratio. That is the ratio of your minimum debt payment obligations to your take-home income. A debt ratio which exceeds 20% could impact your creditworthiness.

To calculate your debt-to-income ratio, enter your net after-tax take home pay below. Also indicate how frequently you receive that amount. Then in the "Debt Payments" section, enter the minimum payments on all your outstanding loans and credit accounts (excluding your primary mortgage if any), along with their payment schedule. Finally, click the "Calculate Ratio" button to calculate your debt-to-income ratio.


Income




Debt Payments

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