Discover the Golden Ratio for personal finance – a powerful tool to evaluate your spending, saving, and debt habits.

Staff Deputy Personal Finance Editor, Buy Side from WSJ. ... But if your back-end ratio is more than 45%, you’ll need a higher credit score or larger down payment to compensate.

Mortgage-to-income ratio is a metric used by lenders to see how much of your income goes toward debt payments. MTI is a type of debt-to-income ratio, and mortgage lenders generally look for an MTI ...

Then they use your financial information to determine if you can afford a new loan or credit line. The formula they use to make their determination is called the debt-to-income (DTI) ratio.

There's no shortage of budgeting and spending rules when it comes to personal finance. One says you shouldn't spend more than 30% of your monthly income on housing. Another says to always save 10% ...

Liquidity ratios, such as the debt-to-equity (D/E) ratio, which compares total liabilities to total shareholder equity, can evaluate a company's financial health.

Her expertise covers a wide range of accounting, corporate finance, taxes, lending, and personal finance areas. Learn about our Financial Review Board Fact checked by ...