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	Calculators Debt to Income Ratio Calculator   Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are not a good risk for lending money to. Monthly income after taxes: Spouse's monthly income after taxes: Other monthly income: Monthly rent/mortgage payment: Monthly 2nd mortgage payment: Total of all monthly car/vehicle payments: Total of all monthly credit union loan payments: All other monthly consumer loan payments: Total of all monthly minimum charge card payments (Visa, Mastercard, dept. store, etc.): Other monthly payments: Pending monthly loan payments: Your total income: Your total monthly payments: Your debt ratio:   Your debt-to-income ratio: 36% or less: This is a healthy debt load to carry for most people. 37%-42%: Not bad, but start paring debt now before you get in real trouble. 43%-49%: Financial difficulties are probably imminent unless you take immediate action. 50% or more: Get professional help to aggressively reduce debt.     Privacy Policy