Debt Ratio Calculator Use this calculator to determine your debt to income ratio. Generally speaking, a debt ratio greater than or equal to 40% indicates you are not a good risk for lending money to. Monthly gross income: Spouse’s monthly income after taxes: Other monthly income: Monthly rent/mortgage payment: Monthly 2nd mortgage payment: Total of all monthly car/vehicle payments: Total of all monthly credit union loan payments: All other monthly consumer loan payments: Total of all monthly minimum charge card payments (Visa, Mastercard, dept. store, etc.): Other monthly payments: Pending monthly loan payments: Your total income: Your total monthly payments: Your debt ratio: