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Debt Ratio Improvement Tool

See how paying down debt affects your debt-to-income ratio.

Estimate your new debt-to-income ratio after making an extra payment.

Fill in the form to see results

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Other Calculators

Debt Snowball Planner

Organize and pay off debts from smallest to largest balance.

Sort debts by balance; apply extra payment to smallest debt first

Debt Avalanche Planner

Organize debts by highest interest rate to minimize total interest paid.

Sort debts by interest rate descending; apply extra payment to highest rate first

Early Payoff Savings Calculator

Estimate how much interest you save by paying off debt early.

Compare total interest with and without extra payments

Debt-to-Income Ratio Calculator

See how your monthly debt compares to your income.

DTI = (Monthly Debt Payments / Gross Monthly Income) × 100

Debt Consolidation Estimator

Compare total payments with and without consolidation.

Compare total cost and interest before and after consolidation

Minimum Payment Time Estimator

Estimate how long it will take to pay off a debt using minimum payments.

Amortized formula for monthly payoff time and total interest