NCBuy Home

Add a Social Bookmark

  Hot Subscriptions

  Card Reviews
  Get the low down on
  credit card offers.

  New Downloads
  Free games and
  demos for your PC.
Investment and Business Calculators
Calculator Debt Advice Calculator
This calculator gives you an assessment of whether you are carrying too much total debt - excluding mortgage.

To use this calculator:
  • In "Monthly Net Income," enter your monthly net income, which is your income after all taxes and deductions have been taken out.
  • In "Debt Payments," enter the total amount you paid last month to all parties you owe money to (again, NOT counting your mortgage). This includes all credit card payments, all payments on home equity loans and all payments on any other type of loan.
  • In "Amount Saved," enter the amount you added to your savings account last month.
  • Do not use commas.
Monthly Net Income
Debt Payments (last month)
Amount Saved (last month)
Your Debt-To-Income ratio
Your Debt Position
  • Your "Debt To Income Ratio," expressed as a percent. This is the "Loan Payments" divided by your "Monthly Net Income."
  • Your "Debt Position." If you are saving less than 10 percent of your net income or if you are spending more than 20% to service your loans, your debt load is considered "troubled."

    If your position is evaluated as "troubled," you might like to pay a visit to your personal financial manager, who can recommend the appropriate next steps, given your specific situation.

Credit Center
Tools and resources for managing your money.

  • Warnings and Tips
  • Exchange Rates
  • Financial Glossary
  • Financial Calculators
  • Tax Calendar


Credit Card Reviews
Honest reviews of credit cards? Imagine that.

  Airline Rewards
  Cash Rewards
  Gas Rewards
  Hotel Rewards
  Travel Rewards

  Canadian Credit

General Credit Cards
  Charge Cards
  Poor Credit
  Pre-Paid Cards
  Regular Cards
  Secured Cards
  Student Credit

Featured NO FEE Card
Apply for your free card:

Special Offers
  • Business Freebies
  • Free Magazine Trials
Credit Center »  

NCBuy Home  |  About NCBuy  |  Contacts  |  Privacy  |  Site Map  |  Link 2 Us

Copyright © 2016 NetCent Communications, All rights reserved. Terms under which this service is provided.
Data Source: Military Assistance Program Calculator City