Debt-to-Income Ratio Calculator Australia
Calculate your debt-to-income ratio to assess your financial health and borrowing capacity. Includes all debts with risk assessment and improvement recommendations.
Monthly Income
$
Total Monthly Income: $6,250
Annual Income: $75,000
Monthly Debts
$
$
DTI Analysis
Debt-to-Income Ratio
3.2%
Healthy debt level. Good financial position for future borrowing.
Monthly Debt Payments
$200
Total Debt Balance
$5,000
Debt Payoff Projection
Time to Pay Off22 months
Total Interest-$770
Available Capacity$1,675
DTI Guidelines
- • Excellent: Under 20%
- • Good: 20-30%
- • Concerning: 30-40%
- • High Risk: Over 40%
Improvement Tips
- • Pay high-interest debt first
- • Consider debt consolidation
- • Increase income through side hustles
- • Avoid taking on new debt
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