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.
Assumptions
Monthly after-tax income ($) 
Monthly mortgage payments ($) 
Total outstanding balance on consumer debt ($)
(includes credit cards, car loans, personal loans, excluding mortgage)
 
The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Any rate of return entered into the interactive calculator to project future values should be a reasonable average return for the period. Rates of return will vary over time, and generally the higher the rate of return the higher the degree of risk.

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