Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Income Replacement Calculator

Find out how large an investment portfolio you need to fully replace your salary with passive income by retirement. Essential for anyone planning financial independence or early retirement.

Current Annual Salary ($)

Income Replacement Percentage

Expected Annual Return (%)

Safe Withdrawal Rate

Current Age ( years)

Fill in the required fields to see your result.

Budgeting

Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio — the percentage of gross monthly income that goes to debt payments — the same way mortgage lenders compute it. Use it to gauge how lenders will view your application and whether your debt load is comfortable, stretched, or risky.

Monthly Debt Payments ($)

Gross Monthly Income ($)

Fill in the required fields to see your result.

Key differences

	Income Replacement Calculator	Debt-to-Income Ratio Calculator
Category	Budgeting	Budgeting
Inputs required	5	2
Result	Required Investment Portfolio ($)	Debt-to-Income Ratio (%)
What it does	Find out how large an investment portfolio you need to fully replace your salary with passive income by retirement. Essential for anyone planning financial independence or early retirement.	Calculate your debt-to-income ratio — the percentage of gross monthly income that goes to debt payments — the same way mortgage lenders compute it. Use it to gauge how lenders will view your application and whether your debt load is comfortable, stretched, or risky.