Debt to income ratio calculator
Enter your monthly income and what you repay each month, and see your ratio as a percentage. Repayments can be heavy long before they start to feel heavy, so use the number, not the feeling.
How this debt to income ratio calculator works
Step 01
Put in your monthly income, the amount that actually reaches your account after tax
Step 02
Add your total monthly debt payments: loan instalments, leases and credit card minimums
Step 03
Press Check My Ratio and get your repayments as a percentage of what you earn
Step 04
See the band it lands in, Healthy under 30%, Caution up to 50%, Risk above that, with a line on what to do next
Curious? Here's what women ask before they start.
If your question isn’t here, reach out at [support email] and we’ll answer.
What is a healthy debt to income ratio?
Under 30% is generally treated as healthy, 30 to 50% as caution, and over 50% as risk. These are common rules of thumb rather than a regulatory standard in Sri Lanka.
What counts as a monthly debt payment?
Loan instalments, leases, credit card minimum payments and any other fixed repayment. Rent and utilities are living costs, so they belong in your budget rather than in this ratio.
Do lenders look at this number?
Lenders use their own versions of an affordability measure, and the details differ between institutions. Knowing your own ratio before you apply tells you roughly how an application is likely to look.
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Your money should last as long as you do. Knowing how it works is where that starts.
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