Calculate Your Financial Ratios

Measuring Your Spending Measuring Your Savings Rate Measuring Your Debt-to-Income Ratio
Spending as a percentage of income Savings as a percentage of income monthly debt service / monthly gross income
monthly spending / monthly net income monthly savings / monthly net income NOT total debt / total income

Monthly Spending $ Monthly Savings $ Monthly Debt Payments $

divided by divided by divided by

Monthly Net Income $ Monthly Net Income $ Monthly Gross Income $

equals equals equals

Your Spending Rate $ Your Savings Rate $ Your Debt-to-Income Ratio $

The higher your number, the better - the more The lower your number the better, the more you're
The lower your number, the better able you are to able to save and the better equipped you are to
you're able to save
live blow your means and save afford additional debt, like a mortgage

*remember if you have 401k contributions or other

savings coming out of your paycheck automatically
to add those amounts back in to your income total

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