Debt to Income Ratio Back

The amount you owe is relevant only when measured against your income. The more you make, the more debt you can afford to take on. Fill in the blanks to get a rough idea of your debt-to-income ratio-and whether it is already higher than is considered manageable on your income.

Monthly mortgage or rent:
Minimum monthly credit card payments:
Monthly car loan payments:
Other loan obligations:
A. MONTHLY DEBT PAYMENTS:
Annual gross salary:
Bonuses and overtime:
Other income:
Alimony received:
B. TOTAL (before tax, divided by 12):
A ÷ B =

Your debt-to-income ratio
36% or less: This is a healthy debt load to carry for most people.

37%-42%: Not bad, but start paring debt now before you get in real trouble.

43%-49%: Financial difficulties are probably imminent unless you take immediate action.

50% or more: Get professional help to aggressively reduce debt.

Source: Gerri Detweiler, author of The Ultimate Credit Handbook

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Please Note: Unsecured Debts are debts such as credit cards, store cards, lines of credit, personal loans and medical bills that are not secured by collateral. Furthermore, this form is not an application. Once you have completed this expression of interest, your information will be sent to one of our participating partners. BY SUBMITTING YOUR EXPRESSION OF INTEREST YOU ARE CONSENTING TO RECEIVE TELEPHONE CALLS FROM A PARTICIPATING DEBT MANAGEMENT PARTNER EVEN IF YOUR PHONE NUMBER IS ON THE DO NOT CALL LIST. There is no obligation for submitting your information.

*Debt reduction percentages are estimates based on historical results. Individual results may vary based on the individual creditors in your debt portfolio and your specific situation. Statements made are examples of past performance, which are not intended to be a guarantee of any future settlement results. When you contact eDebtCure.com we will attempt to personally evaluate your situation and determine whether you are qualified for any debt resolution programs. While debt resolution programs work to reduce your balances, your creditors are under no contractual obligation to negotiate or accept settlement offers. Debt reduction percentages do not include program fees; guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt free within a specific time period. Photographs used are not actual clients. eDebtCure is not affiliated with ESPN, MSNBC or CNN (these are networks we have run our commercial on) and logos used are registered trademarks of their respective owners. Our services are not available in all states.

Debt to Income RatioBack

Debt to Income Ratio Back