Knox County Employees
Credit Union
400 Main Ave., Room 355
Knoxville, TN 37902
Phone: 865.215.2364

Central Street Branch
1000 N. Central Street
Knoxville, TN 37917
Phone: 865.215.5690

Routing #: 264279541

Report a Lost or Stolen Debit Card: Call Toll Free 1.800.472.3272

Debt Ratio Calculator
Debt-to-income ratio, which is comparing your earnings against your spending, is one of the most common ways of evaluating if you have too much debt. Debt-to-income ratios are used to give lenders a better idea of a person's current financial picture to determine credit-worthiness.

Gross Monthly Income:
Other Monthly Income:
Monthly Rent/Mortgage Pmt:
Car Loan/Lease Pmt:
Other Loan Pmt:
Credit Card Pmt:
Other Monthly Pmt:

Debt Ratio: %

Understanding what your Debt Ratio means:

  • 36% or less: This is an ideal debt load to carry for most people.

  • 37% to 42%: Not bad, but start reducing debt now before you get in real trouble.

  • 43% to 49%: Financial difficulties may be looming unless you take immediate action.

  • 50% or more: Get professional help to aggressively reduce your debt.

The accuracy of this calculator and its applicability to your circumstances is not guaranteed.
Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

BALANCE Financial Tools
BALANCE Financial Education Tools
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developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, we want to help. That's why we've provided access to free and confidential financial counseling and education through BALANCE. Click here to learn more and to take advantage of these tools.