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Debt-to-Income Calculator
Shows how much of your income goes to debt each month, the figure lenders and debt counsellors look at first.
33% of take-home pay
Stretched: watch new credit. That is 26% of gross pay. A guide only; lenders use their own rules.
Want help interpreting this? Talk to a person
What you will need
- Gross monthly income (R)
- Take-home pay each month (R)
- Total monthly debt repayments (bond, car, loans, cards, store accounts, overdraft interest) (R)
How it works
dti_gross = monthly_debt / gross_monthly * 100; dti_net = monthly_debt / take_home * 100. Bands on dti_net (guide only, lenders differ): under 30% 'Comfortable'; 30-40% 'Stretched'; 40-50% 'Heavy'; over 50% 'Very heavy'. Also: essentials_left = take_home - monthly_debt, shown as 'Left for everything else'.
What you get
- Debt as % of take-home pay
- Debt as % of gross pay
- Left for everything else
What it means
- Your debt level looks manageable; keep new credit to a minimum.
- Debt is taking a noticeable share of your pay; a repayment plan can bring this down.
- Debt is heavy for your income; a money coach can help you build a plan before arrears start.
- More than half your pay goes to debt; it is worth speaking to an NCR-registered debt counsellor about your options.
Next step: Want help interpreting this? Take the Debt Stress Assessment, or book a money coach.
Runs on the device. Nothing is saved unless the member chooses.