How it works
Debt-to-income ratio = total monthly debt payments ÷ total monthly net income × 100.
Loans and credit
Debt-to-Income Ratio Calculator
Add your household’s monthly net income and recurring debt payments to see what share of income is committed each month.
Your result28.75 %
€1,150.00 in payments ÷ €4,000.00 in monthly income.
€4,000income
Payments€1,150
Remaining income€2,850
- Household monthly income
- €4,000.00
- Monthly debt payments
- €1,150.00
- Income remaining after debt
- €2,850.00
Understanding your result
The ratio shows the share of monthly income used for debt payments. It is an orientation indicator: lenders may use different income, expense and eligibility rules.
Last verified:
03FAQ
Frequently asked questions
Divide all recurring monthly debt payments by the household’s monthly net income, then multiply the result by 100.