Am I in a Debt Crisis? Get Your Debt Severity Score.

A debt crisis score is a composite 0–100 measurement of how severe your debt situation is across multiple financial dimensions. This calculator weights eight factors: debt-to-income ratio (how much of your gross income goes to debt payments), minimum payment burden (what percent of income is consumed by minimum payments alone), savings coverage (how many months of expenses your savings covers), credit utilization (what percent of available credit is used), payment history (whether you are missing or barely making payments), debt trajectory (whether your total debt is growing month over month), interest rate load (weighted average interest rate across all debts), and emergency exposure (whether you have no buffer for unexpected expenses). Each dimension is scored 0–100 and weighted by severity. The final score reflects your overall debt risk level: below 30 is manageable, 30–60 is warning, 60–80 is crisis, and above 80 is critical.

A score above 70 combined with specific conditions — no ability to pay minimums, debt trajectory showing month-over-month growth despite payments, and savings of zero — typically indicates bankruptcy should at least be evaluated by a licensed attorney. However, score alone is not sufficient to determine whether bankruptcy makes sense. You also need to assess whether your debts are dischargeable (credit cards and medical bills are; student loans and recent taxes generally are not), whether you have assets worth protecting, and whether your income qualifies you for Chapter 7 or would require Chapter 13. The debt crisis score identifies severity; the bankruptcy qualification and means test calculators determine whether filing is actually available and beneficial for your specific situation.

Lenders generally consider a debt-to-income (DTI) ratio above 43% to be a warning threshold — most mortgage lenders will not approve loans above this level. A ratio above 50% means more than half your gross income is going to debt payments, which leaves little margin for savings, emergencies, or quality of life. Above 60%, most people find it mathematically impossible to make meaningful progress on debt reduction while covering living expenses. The Federal Reserve's Consumer Finance data shows that households with DTI above 40% are significantly more likely to experience payment delinquency within 24 months. This calculator flags DTI above 36% as elevated, above 43% as high, and above 50% as crisis-level.

The highest-leverage actions depend on which dimensions are driving your score. If payment history is the problem (missing payments), the fastest fix is enrolling in a debt management plan (DMP) through a nonprofit credit counseling agency — this stops collection calls, reduces interest rates to 8–10%, and consolidates payments. If minimum payment burden is the problem, the debt avalanche (paying the highest-interest debt first) or a debt consolidation loan can reduce total monthly minimums. If credit utilization is critical, a balance transfer to a 0% APR card (if available) immediately reduces utilization and stops interest accrual. If savings coverage is zero, even $500 in an emergency fund prevents one unexpected expense from cascading into more missed payments. The action plan section of the calculator tells you which dimensions to address first for your specific score.

Having significant debt is not automatically a crisis. A mortgage of $400,000 against a home worth $500,000 and an income of $120,000/year is manageable debt — you have equity, the payment is affordable, and you are building net worth. A debt crisis exists when debt is: (1) growing faster than you can pay it down, (2) consuming so much income that savings and emergencies become impossible, (3) causing missed payments that trigger fees and rate increases, or (4) generating psychological stress that affects work and relationships. The debt crisis score measures these functional dimensions — not just the raw dollar amount. Two people with identical debt amounts can have radically different crisis scores based on income, savings, payment history, and trajectory.