How Much Do You Owe Calculator

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

Your Debts

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Income

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

Debt Summary

Total Debt$55,000.00
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