Debt Ratio Calculator

Calculate your debt ratio and assess your borrowing capacity

Monthly Income

Monthly Expenses

Evaluate your debt ratio

Understanding the results
  • A debt ratio below 33% is generally considered healthy
  • A higher ratio may limit your borrowing capacity with banks
  • This calculation includes all your fixed monthly expenses (rent, loans, pensions, etc.)
Tips to optimize your borrowing capacity
  • Consolidate your loans to reduce monthly payments
  • Increase your personal contribution to reassure banks
  • Stabilize your income (permanent contract, regular activity, etc.)

This simulator provides an indicative estimate of your debt ratio based on criteria commonly used by financial institutions.

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