How this calculation works
Divide required monthly debt repayments by gross monthly income and multiply by 100. Income remaining before tax and living costs is shown separately.
A worked example
R9 000 debt payments divided by R30 000 gross income gives a 30% debt-to-income ratio.
Assumptions & limitations
- This is a descriptive ratio, not a credit score or lending limit. Lenders also assess net income, living expenses, dependants and their own affordability rules. Do not treat the balance before tax as spendable income.
