Step 1: How to use this calculator?

{'step': 1, 'description': 'Divide debt by income', 'calculetion': '€1,÷ €4,200 = 0.2976'}

Step 2: How to use this calculator?

{'step': 2, 'description': 'Convert to percentage', 'calculetion': '0.2976 × 100 = 29.8%'}

Not including all debt obligations (credit cards, loans, alimony)

Using gross income instead of net for personal budgeting

Calculateur Ratio Dette

Last updated: 2026-08-24

Calculateur Ratio Dette — Calculez Debt ratio = Total debt / Net equity. Exemple: Debt €40,000, Equity €160,000 = Ratio = 0.25 (25%). Calculateur gratuit et précis, sans inscription.

Inputs

Result

Enter values and press Calculate

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How to use it

{'step': 1, 'description': 'Divide debt by income', 'calculetion': '€1,÷ €4,200 = 0.2976'}
{'step': 2, 'description': 'Convert to percentage', 'calculetion': '0.2976 × 100 = 29.8%'}
{'step': 3, 'description': 'Evaluate ratio level', 'calculetion': "29.8% falls in 'Aceptable' range (25-35%)"}

Common mistakes

⚠️ Not including all debt obligations (credit cards, loans, alimony)
⚠️ Using gross income instead of net for personal budgeting
⚠️ Ignoring that different debts have different interest costs

Worked example

Calculating debt-to-income ratio with €1,monthly debt payments and €4,monthly income.

Your ratio of {ratio}% indicates {evaluacion} debt levels. Lenders typically prefer ratios below 36%.

Input guide

Field	Typical range
deuda_mensual	€100 - €10,000+ monthly debt payments
ingresos_mensuales	€500 - €50,000+ monthly income