How Much Do You Owe Calculator

Get a complete picture of your total debt situation across all categories.

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Your Debts

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$
$
$
$
$

Income

$

Your income helps calculate your debt-to-income ratio, a key measure of financial health.

Debt Summary

Total Debt$55,000
Debt-to-Income Ratio91.7
Risk Level0

Debt Breakdown

Credit Cards
$8,00014.5%
Auto Loans
$15,00027.3%
Student Loans
$25,00045.5%
Personal Loans
$5,0009.1%
Medical Debt
$2,0003.6%

Debt-to-Income Guidelines

  • • Under 20%: Excellent financial health
  • • 20-35%: Manageable but monitor closely
  • • 36-49%: May struggle with new credit
  • • 50%+: High risk - consider debt management
How it works›

Model and assumptions. Adds entered balances and payments, weights interest rates by outstanding balances, and calculates the requested cost or income ratios. These totals do not model changing rates, future borrowing or an individual lender’s underwriting rules.CFPB: money and debt worksheetsOpenStax: annuity formulas