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Debt to Income Ratio

The debt to income ratio gives an indication of the sustainability of the debt load of your business.

Use information from your business' annual profit and loss and balance sheet to input into the calculator.

For information on using this calculator see below.

Input Sales $ Field required
Input Other Income $  
Input Total Liabilities $ Field required

A red star Field required indicates a mandatory field.
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The ability of a business to service debt depends on its income and cost structure. The debt to income ratio provides a simple measure of the total liabilities of a business compared to its income.

Both the amount and the stability of income streams have a bearing on the level of sustainable debt. In general, larger business operations and those with stable cashflow can sustain higher debt ratios provided they have efficient costs structures.

The debt to income ratio can be important in the risk management process of a business.

Ratios should be considered over a period of time (say three years), in order to identify trends in the performance of the business. You should seek professional advice to fully analyse the debt to income ratio.

The calculation used to obtain the ratio is:


Debt to Income =

 Total Liabilities 
  Total Income


NOTE: The calculator is provided for illustrative purposes only and the calculations are based on the accuracy of the information provided by you. The information about the calculators and the results of the calculations are necessarily general and are only intended as a guide. When deciding on what your business will do, many factors need to be considered, including your business' situation and financial position.

ANZ will not store the information provided in this calculator.