Credit Counseling Services Overview
How Credit Counseling Works How the Debt Management Program Works What Our Services Cost
Financial Tips
Ways to Save Money How to Improve Your Credit Managing Credit When Your Life Changes
Budgeting Tools and Calculators
Housing Counseling
Group Presentations
Client Testimonials

Calculate the Risk

Use the debt-to-income ratio calculator below as a barometer of your current financial situation. It's a quick way to learn if you earn enough each month to confidently cover the bills. Later, use the Build a Budget tool to see how you can maximize your current earnings.

Debt 1	$		Debt 2	$
Debt 3	$		Debt 4	$
Debt 5	$		Debt 6	$
Debt 7	$		Debt 8	$
Debt 9	$		Debt 10	$
Debt 11	$		Debt 12	$
TOTAL DEBT	$

 

Take-Home Pay	$
Total Monthly Debt Payments (Excluding Mortgage)	$
	Debt-to-Income Ratio =  %

If your Debt-to-Income Ratio is:

Under 15%-Relax. Continue repaying your debt and recalculate your debt-to-income ratio periodically.

15% - 20%-Caution. Contact us now before debt becomes a problem. We'll give you long-term solutions to budgeting and managing your finances.

Over 20%-Danger! Contact us immediately. We'll help you work out a repayment plan that could save you hundreds of dollars every month and offer you peace of mind!