10 Best Free Online Debt Ratio Calculator Websites

Here is a list of the best free online debt ratio calculator websites. The debt ratio is a relation between total debt and total assets. It is also known as DTI (Debt-to-Income) Ratio. DTI determines the proportion of one’s assets that are funded by debt. The debt ratio is a combination of the front-end DTI ratio and back-end DTI ratio.

To calculate the debt ratio or DTI ratio, you should know your total debt/liabilities and total assets. With those two parameters, you can calculate the debt ratio. This post covers 10 websites where you can do the same within seconds. Most of these websites have simple calculators that show you the debt ratio from total liabilities and total assets. But some websites take all types of incomes and liabilities to first determine the total liabilities and assets and then calculate the debt ratio. You can go through the list to check them out in detail.

My Favorite Online Debt Ratio Calculator

Calculator.net is my favorite debt ratio calculator on this list. This calculator does all the calculations for you. You can add all your income sources and then liabilities, rents, mortgage, taxes, loans, etc. With that, it calculates your total assets and total liabilities and gives you the DTI ratio along with the Back-End DTI Ratio and Front-End DTI Ratio.

You can check out our other lists of the best free Online Inflation Calculator Websites, EPF Retirement Calculator Websites, and Online Bank Reconciliation Calculator Websites.

Calculator.net

Calculator.net has a large collection of online calculators. It has a free online debt ratio calculator. This is a Debt-to-Income (DTI) Ratio Calculator. It has a section for Incomes (before tax) where you have to provide all your incomes including savings, investments, pension, and other incomes. Then comes the next section which is Debts/Expenses. This section takes all your debts and expenses including rental costs, mortgage, tax, insurance, loans, liabilities, and more. Then it factors in all the incomes and expenses and calculates the total income and total debt. Along with that, it gives the Debt-to-Income Ratio, Back-End DTI Ratio, and Front-End DTI Ratio.

Highlights:

  • This calculator calculates the Debt-to-Income Ratio along with the Back-End DTI Ratio and Front-End DTI Ratio.
  • It also calculates the total income and total debt per month and per year.
  • It factors in all incomes (salary, pension, saving, etc.) and all debts (rental, mortgage, loans, credit card, etc.).
  • Plots a pie chart of Income Breakdown covering House Debt/Expenses, etc.

MortgageCalculator.org

MortgageCalculator.org offers a free online calculator to find the debt-to-income ratio. This calculator has three input sections, total income, front-end expenses, and back-end expenses. Then it uses the current loan and mortgage rates to calculate the front-front DTI ratio and back-end DTI ratio. Along with that, it also calculates the total income, total housing costs, and total monthly housing & debt payments.

Highlights:

  • This calculator calculates the Front-End DTI Ratio and Back-End DTI Ratio.
  • It calculates the total income, total housing costs, and total monthly housing & debt payments.
  • It factors in all incomes (salary, pension, saving, etc.) and all debts (rental, mortgage, loans, credit card, etc.).

CalculatorSoup.com

CalculatorSoup.com is another free website that offers a large collection of various types of calculators. It has a free debt ratio calculator. This calculator asks for Current Liabilities, Long-term Liabilities, Current Assets, Long-Term Assets, Equity, Net Income, Interest, and Taxes. After adding all the required information, you get the Debt Ratio. Along with the Debt Ratio, it also calculates the Debt Equity Ratio and Times Interest Earned Ratio.

Highlights:

  • This calculator calculates the Debt Ratio and Debt Equity Ratio.
  • It also calculates the Times Interest Earned Ratio.
  • It factors in net income, liabilities, assets, equity, taxes, etc.

OmniCalculator.com

OmniCalculator.com also has an online Debt to Asset Ratio Calculator. This is a simple calculator that asks for total debt and assets. Instead of total debt, you can also add short-term debt and long-term debt. In that case, it first calculates the total debt and then gives you the debt ratio based on the assets.

Highlights:

  • This calculator calculates the Debt Ratio only.
  • It keeps the input simple and limited to total debt and assets.

GoodCalculators.com

GoodCalculators.com also offers a free online debt ratio calculator. This is one of the simplest debt ratio calculators on this list. To calculate the debt ratio, it needs Total Liabilities and Shareholders’ Equity. With those two values, it gives you the debt ratio. Although it is not necessary, you can change the currency for the calculation.

Highlights:

  • This calculator calculates the Debt Ratio only.
  • It keeps the input simple and limited to total debt and total equity.

CalculateStuff.com

CalculateStuff.com is another simple online debt ratio calculator. This is also a simple calculator that has two input fields; Total Debt and Total Assets. All you have to do is enter your total debt amount and total assets value into the calculator. With that, it gives you the debt ratio based on your debt and assets. This calculator also generates a link to share the calculator with the results.

Highlights:

  • This calculator calculates the Debt Ratio only.
  • It keeps the input simple and limited to total debt and total assets.

EasyCalculation.com

EasyCalculation.com offers a collection of online calculators, Converters, and other tools. Among that, it has an online debt ratio calculator. This is a very simple calculator that takes Total Liabilities and Total Assets. From that, it calculates the debt ratio and shows that on the screen. From EasyCalculation, you can get the embed code for this calculator and add it to your website.

Highlights:

  • This calculator calculates the Debt Ratio only.
  • It keeps the input simple and limited to total debt and total assets.

FinanceFormulas.net

FinanceFormulas.net is another website where you can calculate the debt ratio. This website has a simple calculator. This calculator takes Total Liabilities and Total Assets as input. After that, it puts those values in the formula and shows that below the calculator. At the same time, it gives you the debt ratio for the given values.

Highlights:

  • This calculator calculates the Debt Ratio only.
  • It calculates the debt ratio from Total Liabilities and Total Assets.

BankRate.com

BankRate.com has a free online debt rate calculator that you can use. This calculator can help you find the debt ratio based on monthly debt and gross monthly income. You can simply insert the recurring monthly debt and gross monthly income into the calculator. When you click the Calculate button, it instantly gives you the percentage of debt ratio alongside.

Highlights:

  • This calculator calculates the Debt Ratio by percentage.
  • It calculates the debt ratio for monthly debt and monthly gross income.

MiniWebTool.com

MiniWebTool.com is yet another website with a free online debt calculator. This simple calculator needs Total Liabilities and Total Assets. With those two values, it gives you the debt ratio in percentage. From there, you can get a link to share the result online. You can also download the result as a PDF document.

Highlights:

  • This calculator calculates the Debt Ratio in percentage.
  • It uses Total Liabilities and Total Assets to calculate the debt ratio.
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