Dynamic Federal Credit Union

Dynamic Federal Credit Union
900 E. Wayne Street
Celina, OH 45822

Phone: 419.586.5522
Toll-Free: 844.586.5522
Fax: 419.586.5522

email us

24 Hour Access Telephone Banking

You are now able to access your account anywhere in the United States, anytime day or night.
To check your balance, previous transactions, or to transfer funds dial:


Debt Ratio Calculator
Debt-to-income ratio, which is comparing your earnings against your spending, is one of the most common ways of evaluating if you have too much debt. Debt-to-income ratios are used to give lenders a better idea of a person's current financial picture to determine credit-worthiness.

Gross Monthly Income:
Other Monthly Income:
Monthly Rent/Mortgage Pmt:
Car Loan/Lease Pmt:
Other Loan Pmt:
Credit Card Pmt:
Other Monthly Pmt:

Debt Ratio: %

Understanding what your Debt Ratio means:

  • 36% or less: This is an ideal debt load to carry for most people.

  • 37% to 42%: Not bad, but start reducing debt now before you get in real trouble.

  • 43% to 49%: Financial difficulties may be looming unless you take immediate action.

  • 50% or more: Get professional help to aggressively reduce your debt.

The accuracy of this calculator and its applicability to your circumstances is not guaranteed.
Results should be discussed with a qualified professional before any product purchases or loan commitments are made.