Debt-to-income ratio calculator
See what share of monthly income already goes to debt repayments, and which guideline band that percent falls in.
Your monthly figures
Two totals only. Living expenses are not subtracted.
Use monthly take-home if you can. Gross is fine if that is all you have. If pay varies, enter a typical monthly average.
Home loan, vehicle, credit cards, personal loans, store accounts. One total.
Results
Enter income and total repayments, then press Calculate.
These figures are estimates and guidelines, not National Credit Act disclosures and not financial, legal, or debt-review advice. Speak to an NCR-registered counsellor before you make decisions.
How the estimate works
The formula
Debt-to-income is monthly debt repayments divided by monthly income, shown as a percent to one decimal place.
Guideline bands
Under 20% is manageable. 20% to 36% is monitor. Above 36% is warning. These are guidelines, not a credit decision.
What is left out
Rent, groceries, and other living costs are not subtracted. This page is not an affordability assessment.
Common questions
What is a debt-to-income ratio?
It is the share of monthly income already going to debt repayments. Higher percents leave less room for everything else.
Should I use gross or net income?
Use take-home if you can. Gross is fine if that is all you have. The math does not change.
Is this an NCA disclosure or advice?
No. The percent and bands are estimates and guidelines. They are not National Credit Act disclosures and not a recommendation to take on or restructure debt.
Continue with a useful next step
- Who qualifies for debt review?
Learn what a registered counsellor needs to assess.
- Check your full household budget
See what is left after living costs and debt repayments.
- Understand debt review
Read what the formal process involves before deciding whether to apply.
- Choose another money tool
Find a calculator for interest, spending, savings or repayment planning.