What is your level of debt?
The debt ratio is a straightforward tool used by all financial institutions to evaluate the weight of your debts within your budget.
Your result should ideally sit below 40%.
Above this limit, you are at risk of severe over-indebtedness.
Take the test in under 5 minutes.
Your information is confidential. For more details, read our privacy policy.
You’ll know what to expect before meeting with your financial institution.
Get a clear, personalized result in under 5 minutes.
Based on your result, we will guide you in the right direction.
Our online tool is one of the most comprehensive to ensure the most reliable result possible.
Family environment
Fixed Income
Housing
Loans
Credit
Your result
YOUR DEBT RATIO :
Congratulations! Your result is highly commendable!
For any questions or advice, feel free to contact us. It's free, confidential, and without obligations.
That's great, your ratio is below the 40% threshold.
However, be aware that any decrease in income or increase in housing-related expenses could quickly raise your rate.
Recalculate every 6 months to ensure that your ratio does not deteriorate.
For any questions or advice, feel free to contact us.
It's free, confidential, and without obligations.
We suggest you to be cautious as your debt-to-income ratio is close to the 40% limit.
n.b.: The limit can vary between 39% and 44%, depending on the quality of your credit fileYou should implement a debt reduction plan quickly to prevent the situation from worsening.
There are several solutions to regain control of your finances.
Please visit our Solutions section or contact us via email, chat, phone, video conference, or in person for any questions, advice, or assistance.
It's free, confidential, and without obligations.
It's time to take action as you are exceeding the 40% limit.
n.b.: The limit can vary between 39% and 44%, depending on the quality of your credit fileYou should implement a debt reduction plan without delay to avoid overindebtedness.
There are several solutions to regain control of your finances.
Please visit our Solutions section or contact us via email, chat, phone, video conference, or in person for any questions, advice, or assistance.
It's free, confidential, and without obligations.