Calculate your Debt to Income Ratio to pick the right debt solution

Debt to Income Ratio (DTI) reflects how much of your gross monthly income is used towards your monthly debt payments. Just enter your total debt payments and annual income in order to calculate your DTI and check your financial health.

Monthly Debt Repayment
Monthly Mortgage or Rent ($)
Minimum Monthly Credit Card Payments ($)
Monthly Car Loan Payments ($)
Other Loan Obligation ($)

Annual Income
Annual Gross Salary ($)	* Input digits (0 - 9)
Bonus and Overtime ($)
Other Income ($)
Alimony Received ($)

Your Debt Income Ratio: 0%*

Your financial situation

Your unsecured debt is $0

You have an ideal debt-to-income ratio. But, it would be good for your credit score if you pay off your remaining debts with professional help.

With professional help,

Your debt amount can be reduced to $0^**
You’ll be debt free in 48 months if you pay $0 ^? every month.

Note

* Debt to Income Ratio

36% or less : This is a healthy debt load to carry for most people.

37%-42% : Your financial situation isn’t bad.

43%-49% : There is likelihood of financial trouble.

50% or more : You’re in danger.

As there no specific industry standard of debt income ratio, several lenders consider different debt income ratio to determine appropriate entry scores.

** Assuming your debt to be reduced by 50%. You will get a detailed payment schedule chart once you opt for professional debt help.

*** This is gross saving that you make on your existing debt. A service fee on the amount of savings as per FTC rules will be deducted from it.

Suppose, your total debt is $12000
Your service fee will be: $1500
Net saving after paying fees: $4500

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Waive off late fees
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Reduce interest rates

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Debt To Income Ratio Calculator