Debt-to-income ratio calculator
See how much of your income goes to payments and your healthy maximum installment.
Keeping payments under 30% of income is recommended. Over 50% is high debt.
How the calculation works
The debt-to-income ratio measures how much of your monthly income is already committed to debts and installments:
ratio = total payments ÷ income × 100
Add up everything that leaves every month in installments — mortgage, credit-card plans, loans — and divide by monthly income.
Step-by-step example
Income of R$4,000, with R$1,200 in payments:
1,200 ÷ 4,000 × 100 = 30% committed.
What's healthy
- Up to ~30%: comfortable; the reference banks use to approve loans.
- 30% to 50%: tight; little room for surprises.
- Above 50%: a warning sign of over-indebtedness.
Gross or net income?
For a realistic read, use net income (what actually lands in your account).
Examples
- Income R$5,000, payments R$1,000: 1,000 ÷ 5,000 = 20% committed.
- Income R$3,000, payments R$1,800: 60% — risk zone.
Frequently asked questions
Why 30%?
It is the reference banks use to avoid over-indebtedness. Above it, default risk rises sharply.
Does rent count?
For your planning, yes — it is a fixed monthly cost. For credit analysis, banks focus on debt payments, but housing weighs on the budget all the same.
How to reduce the ratio?
Pay off or renegotiate the most expensive debts, extend terms at lower rates, or raise income. Avoid new installments until you drop below 30%.
What is a healthy debt-to-income limit?
Up to 30% of net income is the usual guideline; banks cap mortgages at about 30% of gross income.
What should I include?
All fixed instalments, including the full credit-card bill — not just the minimum.
Which debt should I pay off first?
The highest-rate one — usually revolving credit — since it saves the most interest.
Is there a warning sign beyond the percentage?
Yes: if you need the credit card to reach the end of the month, your commitment is already too high.
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Updated on June 18, 2026 · by Rafael Rossi · Methodology & sources