Enter the total monthly debt ($) and gross income ($) into the Calculator. The calculator will evaluate the Total Debt Servicing Ratio. 

Total Debt Servicing Ratio Formula

TDSR  = D / GI * 100


  • TDSR is the Total Debt Servicing Ratio (%)
  • D is the total monthly debt ($)
  • GI is the total gross income ($)

To calculate Total Debt Servicing Ratio, divide the monthly debt by the monthly gross income, then multiply by 100.

How to Calculate Total Debt Servicing Ratio?

The following steps outline how to calculate the Total Debt Servicing Ratio.

  1. First, determine the total monthly debt ($). 
  2. Next, determine the total gross income ($). 
  3. Next, gather the formula from above = TDSR = D / GI * 100.
  4. Finally, calculate the Total Debt Servicing Ratio.
  5. 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.

total monthly debt ($) = 500

total gross income ($) = 1000