Calculadora Ratio Divida

How to use it

1. {'step': 1, 'description': 'Divide debt by income', 'calculation': '€1,250 ÷ €4,200 = 0.2976'}
2. {'step': 2, 'description': 'Convert to percentage', 'calculation': '0.2976 × 100 = 29.8%'}
3. {'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 pessoal 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