Debt to Income Ratio

Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and debt payments. The lower your debt-to-income ratio the more manageable your debt load will be. A low debt-to-income ratio increases the odds that you will be able to meet your monthly obligations. This ratio and your credit score are the two most important factors used by creditors when extending loans and credit.

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For more information about these these financial calculators please visit: Financial Calculators from KJE Computer Solutions, Inc.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Your debt-to-income ratio is 0%

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Your monthly income

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Gross amount paid:*This entry is Required.Enter an amount between $0 and $10,000,000

Frequency:*This entry is Required.

Other income:*This entry is Required.Enter an amount between $0 and $10,000,000

Frequency:*This entry is Required.

Spouse's monthly income

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Mortgage and debt

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House payment:*This entry is Required.Enter an amount between $0 and $10,000,000

Auto payment:*This entry is Required.Enter an amount between $0 and $10,000,000

Auto two payment:*This entry is Required.Enter an amount between $0 and $10,000,000

Credit card payments:*This entry is Required.Enter an amount between $0 and $10,000,000

Other debt payments:*This entry is Required.Enter an amount between $0 and $10,000,000

Monthly debt payments of $0 leave you with $0 Column Graph: Please view the report to see detailed calculation results in tabular form.

Monthly debt payments of $0 leave you with $0

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Definitions

Gross amount paid

Your total gross income from your paycheck.

Other income

Any other regular income you receive, such as rental payments or investment income.

House payment

Monthly payment for your home or apartment. For a home payment, include principal, interest, property taxes and insurance (PITI).

Auto payment

Your monthly auto loan payment. This should be for your auto loan only, auto insurance should not be included.

Auto two payment

Any additional auto, truck or RV payments should be entered here.

Credit card payments

Enter the total of all of your credit card payments. For this calculation, please enter the minimum payment amounts, even if you pay off a larger portion of your balance each month.

Cypress Bank, SSB - 4272512020
120 South Greer Blvd.
Pittsburg, TX

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.