Read the result correctly
The ratio is total monthly debt payments divided by monthly income and expressed as a percentage.
How is debt-to-income calculated?
Add recurring debt payments, divide by monthly income and multiply by 100.
How should it be interpreted?
Consider living costs, income stability and savings alongside the percentage.
Frequently asked questions
What is debt-to-income?
The share of monthly income committed to debt.
Which payments count?
Loans, instalments, minimum card payments and other fixed debt obligations.
Why is a lower ratio helpful?
It leaves more room for unexpected costs and income changes.
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Read the calculation methodology and finance guide for formulas and assumptions. Calculation methodology · Finance guide