Debt Level Calculator

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Debt Level Calculator

Information

As a general rule, your consumer loan payments, not counting your mortgage, shouldn't exceed 10% to 15% of your monthly take-home pay.

Add in your mortgage payments and your property taxes, homeowners insurance premiums, and private mortgage insurance payments, and your total debt level generally shouldn't exceed 36% of your monthly gross income. (When calculating your debt level for a loan, lenders may use different guidelines than these.)

Run your monthly loan payments through our Debt Level Calculator to see where you stand.

Monthly Income

Monthly Take-Home Pay:
including your partner's, if applicable $

Monthly Gross Income:
including your partner's, if applicable $

Monthly Consumer Loan Payments

Vehicle Loan Payment: $

Educational Loan Payment: $

Credit Card Minimum Loan Payment:
(not your total outstanding balance) $

Personal Loan Payments: $

Housing-Related Monthly Payments

Home Mortgage Payment:
(principal and interest only) $

Property Tax Payment: $

Homeowners Insurance Payment: $

Private Mortgage Insurance Payment: $

Home-Equity Loan Payment: $

Data is currently saved for 1 hour(s).

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the credit union.

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