Debt-to-asset ratio
Total debts divided by total assets. It tells you how much of what you own is still claimed by someone else.
0%Enter your numbers
Under 30%Low leverage. Most of your asset base is owned outright.
30–60%Typical for homeowners carrying a mortgage.
Above 60%Debt is doing most of the work. Worth watching closely.
Above 100%You owe more than you own. Net worth is negative.
Compare it against yourself
The useful comparison is your own ratio a year ago. Falling steadily means you are converting debt into ownership. A single percentage on its own is just context.
Assets must be realistic too. Inflating a home value quietly improves the ratio without changing anything real.
Watch this ratio move over time.
Brevizo recalculates it every time you update a balance, so the trend is there without any extra work.
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