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    Debt-To-Income Ratio Calculation

    There are 2 reasons why it’s important that you understand the amount of debt you have in relation to your income:

    • It is an indication of how healthy your finances are and how much pressure your debt is putting on your budget so you can decide whether you can handle more debt or not.
    • When you apply for credit or a loan, lenders look at your debt-to-income ratio to consider your application.

    Calculate Your Debt-To-Income Ratio In The Table Below

    Use this percentage tool to see whether you’ve got a handle on your debt, there’s room to improve or you’re heading into trouble

    It’s recommended that your debt-to-income ratio is less than 36%

    Debt-to-Income Ratio Calculator

    If your ratio is higher than 3600%, consider strategies to reduce your debt or let us help you recover from financial distress.

    Testimonials

    Mark Baartman

    “Before starting the debt review process, I was overwhelmed with bills and struggling to make ends meet. The constant calls from creditors were causing me sleepless nights. But since I began debt review, I finally feel like I have control over my finances again. My payments are now manageable, and I’m on track to becoming debt-free. The best part is that the calls have stopped, and I can breathe easier knowing there’s a plan in place. It’s the best financial decision I’ve ever made!”

    Sipho Maringa

    “Debt review has been a lifesaver for me. I was drowning in debt, with interest rates piling up and no way out in sight. The debt review process allowed me to consolidate my payments and work out a repayment plan that fit my budget. My financial advisor was incredibly supportive and helped me every step of the way. Now, I’m steadily paying off my debt, and for the first time in years, I see a light at the end of the tunnel. I highly recommend this process to anyone who feels trapped by debt.”

    Susan Daniels

    “I was hesitant about going into debt review because I didn’t fully understand the process, but it turned out to be a game-changer. The team helped me to negotiate better terms with my creditors, and my monthly payments became much more affordable. I no longer have to worry about falling behind, and my credit score is improving. The peace of mind I’ve gained is priceless. If you’re struggling with debt, don’t hesitate—debt review could be exactly what you need to get back on track.”