Do I have too much debt?

How much debt is too much? Use this debt calculator to help gauge your total debt level and what steps might need to be taken to improve your situation. Remember, there are many factors to consider when calculating debt, but the following three factors will help you start to understand if your debt is manageable.
Monthly after-tax income ($) 
Monthly mortgage payments ($) 
Total outstanding balance on consumer debt ($)
(includes credit cards, car loans, personal loans, excluding mortgage)