Enter the monthly debt payments ($) and the monthly take-home pay ($) into the Debt Safety Ratio Calculator. The calculator will evaluate and display the Debt Safety Ratio. 

Debt Safety Ratio Formula

The following formula is used to calculate the Debt Safety Ratio. 

DSR = MD / MTH *100

  • Where DSR is the Debt Safety Ratio (%)
  • MD is the monthly debt payments ($) 
  • MTH is the monthly take-home pay ($) 

How to Calculate Debt Safety Ratio?

The following example problems outline how to calculate Debt Safety Ratio.

Example Problem #1:

  1. First, determine the monthly debt payments ($). 
    • The monthly debt payments ($) is given as: 2,500.
  2. Next, determine the monthly take-home pay ($). 
    • The monthly take-home pay ($) is provided as: 5,000.
  3. Finally, calculate the Debt Safety Ratio using the equation above: 

DSR = MD / MTH *100

The values given above are inserted into the equation below and the solution is calculated:

DSR = 2,500 / 5,000 *100 = 50.00 (%)


Example Problem #2: 

For this problem, the variables required are provided below:

monthly debt payments ($) = 6,000

monthly take-home pay ($) = 10,000

Test your knowledge using the equation and check your answer with the calculator above.

DSR = MD / MTH *100 = ?