Loan repayments and credit card payments, interest included. Leave out money you lend to others.
What comes in during a usual month.
Debt-to-income ratio
Enter both figures to see the result.
LightYour debts take a small share of what you earn.
ModerateManageable, but worth keeping an eye on.
HeavyYour debts take a large share of what you earn.
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How it is worked out
Debt-to-income = monthly debt payments ÷ monthly income.
The bands are a convention, read against the income you record and before any tax adjustment. The dashboard card averages the last three complete months.
Worked example
Payments of 800 a month against an income of 3,200 are 800 ÷ 3,200 = 25% (Moderate), at the top of its band.
What is a good debt-to-income ratio?
| Debt-to-income ratio | What it means |
|---|---|
| 10% or less | LightYour debts take a small share of what you earn. |
| Over 10%, up to 25% | ModerateManageable, but worth keeping an eye on. |
| Over 25% | HeavyYour debts take a large share of what you earn. |