Sizu Home › Calculators › Debt-Service Ratio
Enter take-home and your debt payments, then press Calculate.
From the book — Chapter 7. Debt-service ratio = debt payments ÷ take-home — a share, not an interest rate. Pick a ceiling you’re comfortable with (this is arithmetic, not a rule or a recommendation); the room beneath it is your headroom. A new loan only “fits” if its payment sits inside that headroom. Staying under your own line keeps the budget flexible.
The ceiling is illustrative and entirely yours — nothing here is a lending standard or financial advice. Everything stays in your browser.