Enter your net income, what you pay in debts today and your fixed expenses. You will see your debt level and what new payment you could take on within a limit you choose.
The preloaded values are an example: replace them with your own figures.
Additional payment you could take on
With these figures, if you don’t want to put more than 35% of your income toward debt, your payment ceiling would be $525,00 a month. Since you already pay $200.00, you would have $325,00 left for a new payment.
How is your income split?
Results are for reference only and are not actual figures. Values depend on the country, the financial institution, taxes and current laws, and must be validated with an authorized financial institution. Banco.guru is an educational guide to what can be achieved; it does not offer products or personalized financial advice.
Tips for using this result
- The percentage limit is a guide; your real budget is what counts.
- Include the real monthly payment on your cards, not just the minimum.
- Leave a margin: an unexpected expense shouldn’t force you into more debt.
- With the available payment, see how much you could borrow.
What is borrowing capacity?
It is the amount of monthly payments you can take on without putting your basic expenses or your ability to save at risk. It is usually expressed as a percentage of net income: the debt ratio = debt payments ÷ net income × 100.
What is a healthy debt level?
There is no single official number. Many financial education guides use as a benchmark not exceeding roughly 30–40% of net income on debt. Financial institutions apply their own criteria and also review your credit history, job stability and other factors.
How does this tool calculate?
- Calculate your current debt level: current payments ÷ income.
- Calculate the payment ceiling based on the chosen limit: income × limit.
- Subtract the payments you already make: the result is the new payment that would fit.
- Check against your fixed expenses whether, after that payment, you would have money left over.
That last step matters: the percentage doesn’t know your expenses. Someone with high fixed expenses can end up in deficit even while “within 35%”.
How to improve your borrowing capacity
- Pay down expensive debt first (the snowball or avalanche).
- Avoid new small payments that add up (deferred purchases, installment buys).
- Keep a good payment history.
- Increase stable income or cut fixed expenses.
Frequently asked questions
How much of my salary can I put toward debt?
As a general reference, people often talk about not exceeding 30–40% of net income, but it depends on your expenses, your family and your stability. This tool helps you see it with your own numbers.
Are credit cards included?
Yes. Include what you pay each month on your cards. If you only pay the minimum, also look at the cost of that habit.
Will the bank lend me the payment shown here?
Not necessarily. Each institution applies its own assessment policies. This calculation is educational.
What do I do if my debt level is already high?
Prioritize paying down debt, avoid new payments and consider negotiating with your creditors. See our guide on how to prioritize debts.
Keep learning at banco.guru
Other loan and mortgage tools
See all tools →Última revisión: · Información referencial; valida tu caso con una institución financiera.