Step 1: How to use this calculator?

{'step': 1, 'description': 'Divide debt by income', 'calculation': '€1,250 ÷ €4,200 = 0.2976'}

Step 2: How to use this calculator?

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

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

Using gross income instead of net for personal budgeting

Calcolatore Rapporto Debito

Last updated: 2026-08-24

Calcolatore Rapporto Debito — Calcola Debt ratio = Total debt / Net equity. Esempio: Debt €40,000, Equity €160,000 = Ratio = 0.25 (25%). Calcolatore gratuito e preciso, senza registrazione.

Inputs

Result

Enter values and press Calculate

Was this helpful?

How to use it

{'step': 1, 'description': 'Divide debt by income', 'calculation': '€1,250 ÷ €4,200 = 0.2976'}
{'step': 2, 'description': 'Convert to percentage', 'calculation': '0.2976 × 100 = 29.8%'}
{'step': 3, 'description': 'Evaluate ratio level', 'calculation': "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 €1,250 monthly debt payments and €4,200 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+ monthle dibt paemints
ingresos_mensuales	€500 - €50,000+ monthle income