It's not very hard to calculate your debt to income ratio.
all you have to do is make two simple lists and be honest with yourself.
First add up all your montly debt payments:
Monthly mortgage payment
- include property taxes and insurance of the rent if you rent
Monthly home equity line of credit or loan payment
Monthly car payments
Monthly revolving credit payments like furniture, appliance loans, etc.
Monthly student loan payments
Monthly minimum credit card payments times two
Other monthly loan amounts
Monthly child support payments
Next, add up all your monthly income:
Monthly net (take-home) pay
Annual bonuses and overtime, divided by 12
Other annual income, divided by 12
Take the total monthly debt payments and divide it by your total monthly income.
The result if your debt to income ratio
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