📊 OVERVIEW
An editable Excel template designed to calculate your debt-to-income (DtI) ratio using monthly income and loan obligations. Includes modular fields for salary, part-time earnings, and various debt types—ideal for individuals, financial advisors, and client-facing documentation.
📦 WHAT’S INCLUDED
• 📊 Editable Excel workbook (.xlsx) featuring:
• 🧾 Income section with salary, part-time work, and financial aid inputs
• 💳 Loan section with mortgage, auto loan, school loan, credit cards, and personal loan entries
• 📈 Auto-calculated DtI ratio with guidance thresholds and financial health commentary
• ✅ Clear section headers for client-side editing
🧠 USE CASES
• Internal budgeting and loan eligibility assessment
• Client-facing documentation of financial health and debt load
• Governance and audit preparation using structured income/debt logic
• Reusable format for multi-scenario and multi-period analysis
🎯 FEATURES
• Editable .xlsx format with UK spelling and layout standards
• Modular structure for income tracking and debt reconciliation
• Unbranded and consultancy-free
• Compatible with Microsoft Excel and Copilot editing
🔴 INSTANT DIGITAL DOWNLOAD
This editable template is available for immediate download upon purchase. No physical item will be shipped. Compatible with Microsoft Office and fully customisable for client-side use.
