Debt-to-Income Ratio Calculator
Banks measure your credit risk with one number: the debt ratio. This calculator computes yours from your monthly debts and income, and shows how much margin you have before lenders start refusing.
How it works
The debt ratio is monthly debt payments divided by gross monthly income. A ratio at or below 35% is generally seen as healthy; above 45% is hard to finance. The calculator also shows the maximum recommended payment and your available margin.
Worked example
Example: Debts €1,200, income €4,000 → ratio 30%, max recommended €1,400, margin €200.
Recommendations
- Keep your ratio under 35% to preserve borrowing capacity.
- Pay down high monthly payments before applying for new credit.
- Include all debts — loans, credit cards, car finance — for an honest ratio.
Tips & advice
- A ratio over 45% closes most doors; a debt consolidation can reopen them.
- Increasing income is the fastest safe way to improve the ratio.
- Lenders use gross income — never inflate it; the ratio is the first check.
Next steps & suggestions
- See how much you can actually borrow with the Borrowing Capacity Calculator.
- Plan a mortgage down payment with the Down Payment Calculator.
- Keep your cash flow healthy with the Cash Flow Calculator.
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How much can you really borrow? It is not a guess — it flows from your income, existing debts, the rate and the term. This calculator gives you the number lenders will reach on their side of the desk.
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A loan's real cost is the interest, not just the monthly payment. This calculator gives you the full picture: the fixed monthly payment, the total repaid and the total interest over the entire term.
Debt-to-Income Ratio Calculator
It is 100% free, private and requires no signup.
Try it nowFrequently Asked Questions
Lenders generally accept a debt-to-income ratio up to 35%, and rarely above 45%. Lower is safer and improves your borrowing capacity.
It calculates a fixed monthly payment where each payment covers interest first, then principal. Over the term, the principal share grows while interest shrinks.
Yes — every calculator is 100% free, with no signup, no limit and no hidden cost.
No. All calculations run instantly in your browser. Your inputs are never sent to a server or saved.
They use standard financial formulas and are ideal for estimates. Actual figures can vary due to taxes, fees and local rules, so confirm critical numbers with a professional.
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