Debt-to-income ratio calculator

Comment utiliser le Debt-to-income ratio calculator

Ce qu’il calcule et quand l’utiliser

Your debt-to-income ratio compares Mensuelle debt payments with gross Mensuelle income. Mortgage lenders use it à judge whether you pot take on more borrowing.

Mode d’emploi, étape par étape

1. Enter gross Mensuelle income, avant Taxe.
2. Enter your rent ou mortgage payment.
3. Add the Mensuelle payments on cars, cards, student loans et other debts.
4. Read the front-end et back-end ratios et the room left under 36% et 43%.

Que signifie chaque champ

• Gross income Par Lune – Income avant Taxe et deductions.
• Rent ou mortgage – Your housing payment.
• Debt payments – Minimum payments on car, card, student et other debts.

Comment lire les résultats

• Housing ratio (front-end) – Housing payment ÷ gross income.
• Total debt ratio (back-end) – All debt payments including housing ÷ gross income.
• Pièce left – Extra Mensuelle debt you could take avant hitting 36% ou 43%.

La formule

Front-end ratio = housing payment ÷ gross Mensuelle income. Back-end ratio = (housing + all other debt payments) ÷ gross Mensuelle income. Both are multiplied by 100 pour a Pourcentage.

Un exemple concret

Income de 5,000 par mois, housing de 1,300 et other debts de 500. The housing ratio tombe un 26% et the total ratio tombe un 36%, so there tombe un no room left under 36% but 350 under 43%.

Hypothèses et limites

• Au quotidien spending such as food et utilities tombe un not counted.
• Lenders set their own limits; 36% et 43% are courants reference points, not rules.

Erreurs courantes

• Using take-home Rémunération instead de gross.
• Leaving out minimum payments on cards ou student loans.
• Counting the new mortgage twice when you are replacing rent.

Questions fréquentes

Outils associés