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Debt-to-income snapshot

See how your total debts compare with your yearly income, and how much of your monthly income goes on repayments, now and with a new loan.

Worked out only in your browser; nothing is sent or saved. We do not publish rates or fees: use the ones from your own quote.

All income before tax, for example 90,000

Home loan, car loan, personal loans, card limits or balances

All your current repayments added together

New loan you are thinking about

From a quote or our repayment calculator

What these numbers mean
  • Debt-to-income is your total debts divided by your gross yearly income. For example, 2 times means your debts are twice your yearly income. See debt-to-income ratio.
  • Repayments as a share shows how much of your gross monthly income goes on debt repayments.
  • With a new loan, both numbers are worked out again with that loan added.

Good to know

  • Debt-to-income here is total debts divided by gross yearly income. Repayment share is monthly repayments divided by one twelfth of gross yearly income.
  • Lenders each use their own measures and limits, and may count card limits, living costs and other income differently.
  • This does not show whether a loan would be approved.
  • This is a guide only, not a quote, an offer of finance, a borrowing limit or financial, legal or tax advice.

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