Use Credit Wisely

Debt-to-income measures how much you owe with how much you earn. You can calculate your debt-to-income ratio using the calculator below. Simply enter your total monthly debt repayments, and your monthly income in the calculator below.

Debt-to-Income Ratio

Monthly debt repayments	$
Monthly take-home pay	$
Debt-to-income ratio		%

As a general rule of thumb, a debt-to-income ratio of more than 40-50% is a signal that you may have too much debt and could be headed for some financial trouble going forward. For more on debt-to-income ratios, read "How Much Credit Can I Afford?".

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