Enter the monthly net income ($) into the Calculator. The calculator will evaluate the Repayment Capacity. 

Repayment Capacity Formula

RC = NI * .50


  • RC is the Repayment Capacity ($)
  • NI is the monthly net income ($)

To calculate Repayment Capacity, simply multiply the monthly net income after taxes by 50%.

How to Calculate Repayment Capacity?

The following steps outline how to calculate the Repayment Capacity.

  1. First, determine the monthly net income ($). 
  2. Next, gather the formula from above = RC = NI * .50.
  3. Finally, calculate the Repayment Capacity.
  4. After inserting the variables and calculating the result, check your answer with the calculator above.

Example Problem : 

Use the following variables as an example problem to test your knowledge.

monthly net income ($) = 5000