Debt To Income Spreadsheet – Calculating your debt-to-income ratio is quick and easy with the right tools. Consolidated credit is here to help with a practical debt-to-debt ratio calculator. You just have to use your budget to help fill out the required numbers; Then click “CALCULATE” to determine your debt-to-income ratio. The notes that appear after the calculator can help you understand what your relationship means. Go back to this page to periodically check your debt ratio especially if there is a change in your income or if you have a period where you take a lot of new debt.
Once you have calculated your debt-to-income ratio, you can use the number to decide if you need help with your debt. If you do, call us at the same time to speak with a certified credit counselor about your finances, for free. You can also check out a Free Debt Analysis Online.
Note: All required values below are monthly. If you receive income and / or make payments on a different frequency, determine the amount you pay each month to enter the amounts below.