Monthly take-home income
This is your income after tax and social security. It's the base for working out your real borrowing capacity.
- Enter your monthly take-home income
- The calculator compares it with the recommended 35% limit
Debt-to-income ratio calculator
Work out your debt-to-income ratio in 10 seconds and find out whether your debts are within the recommended 35%. Free and no sign-up.
Debt tracking
Enter your monthly income and debts
The calculator compares your payments with the recommended threshold of 35% of take-home income.
Your ratio isn't a photo, it's a film
The number you've just seen changes every time you make a payment or sign something new. mPF recalculates it on its own from your connected accounts and warns you if it goes back above 35%.
Gratis y sin tarjeta. Se abre en el navegador — también está en iPhone y Android.
Total monthly debts
Add up every payment you make each month: mortgage, personal loans, credit cards, financing and other debts.
- Mortgage or rent-to-buy
- Personal loans
- Credit cards
- Other debts
How to read your ratio
The experts recommend that debts don't go above 35% of take-home income to keep financial stability.
- Under 20%: excellent
- Between 20% and 35%: healthy
- Over 35%: worth reviewing
Is your ratio high? mPF helps you bring it down
The calculator gives you the number; the app gives you the plan. Connect your accounts and mPF shows you which debt to pay first, how much you can save and how to cut interest, step by step.
- Prioritise your debts by cost and rate
- Work out how much you can put to repayment each month
- Track your progress from a single screen. Download it free
Frequently asked questions
What is the debt-to-income ratio?
It's the percentage of your monthly take-home income that goes on debt payments.
What's a healthy ratio?
As a general rule, it's recommended not to go above 35% of monthly take-home income.
Which debts should I include?
Mortgage, personal loans, credit cards, financing and any recurring monthly payment.
Would you rather start gently?
We'll send you the Financial Order Kit as a PDF: the templates and the checklist to get your accounts in order at your own pace. Free, and without signing up for anything.