TOTAL MONTHLY HOUSEHOLD INCOME (NET) $ ______________

10% of my monthly household income (net) = $ _______________
(If this amount is greater than your total of monthly payments, your debt ratio is very good)

20% of my monthly household income (net) =  $ _______________
(If this amount is less than your total of monthly payments, you have too much debt)
Use the worksheet below to determine your debt-to-income ratio or use our debt ratio calculator.  You should exclude your mortgage payment or rent from this calculation as well as everyday living expenses, such as groceries, entertainment, etc.

Amount Still Owed 
Months Left
To Pay
Monthly
Payment
Type of Loan
Car Loan 1
Car Loan 2
Credit Card 1
Credit Card 2
Credit Card 3
Home Equity Loan
Student Loan(s)
Personal Loan(s)
Other _______________________
TOTAL
My debt-to-income ratio is __________%
(Total monthly net income divided by total of monthly payments)


acceptable
unacceptable
Debt Ratio Worksheet
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