Consumer Debt Calculator

Calculate your debt-to-income ratio and see if debt counseling can help you

Monthly Net Income

Your take-home pay after tax and deductions

Additional Income (Optional)

Spouse income, side jobs, investments, etc.

Food, Groceries etc.

Home Loan/Rental

Rates, Water, Electricity

Cell Phone (Contract/Pay as you go)

School Fees

Child Maintenance

Debt Type

Outstanding Balance

Monthly Payment

Interest Rate %