Debt-to-income ratio calculator
Work out your debt-to-income ratio from your monthly income and debt payments, see your housing share on its own, and how much room you have under the ratio you're aiming for. Free, no sign-up, nothing leaves your browser.
Lenders each set their own limits; the target is yours to choose and the starting figures are only an example. Count monthly debt payments only, not food or bills.
What the ratio measures
Your debt-to-income ratio is the share of your monthly income, before tax, that goes on debt payments: housing, loans, card minimums and similar. Lenders use it alongside your credit history to judge whether you can take on more borrowing.
Bringing it down
You can lower the ratio by paying off a debt, especially one with a high monthly payment, or by increasing your income. Each lender sets its own limits, so a ratio one accepts another may not. Use the target box to see how much room you have under the level you're aiming for.
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