Calculate your debt-to-income ratio

Measured what you owe against your income. Use the form below to get a rough idea of your debt-to-income ratio to see if it is higher than your income can manage.

IF Your debt-to-income ratio is:
35% or less: This is a healthy debt load to carry for most people.
36%-42%: It's time to start paying close attention to your debt before problems arise.
43%-49%: Take immediate action as financial difficulties are probably imminent.
50% or more: Get professional help to aggressively reduce debt