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Obtaining Total Debt Service Ratio bit of a glitch

Posted on 2012-03-28
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Last Modified: 2012-08-14
Hello,
I have an online app that as part of it being used determines your total debt service ratio simply by dividing expenses / income

Found if people were to put in crazy number like:
I earn $2000 and have expenses that are $5000 it returns 2.5 in this case.
Given my code below, it strips off the 2 and returns with a 50% debt service ratio.

Any idea how it should look so it will return a proper fraction when the numbers are sensible, but return differently if you are way over on your expenses?

I suppose I could test if the expenses are greater then the income but wondered if there was a better way of doing it.

Hope that makes some sense.
$tdsr = $expenses / $income;

$tdsr = round($tdsr,2);
$new_tdsr = explode(".", $tdsr);
$tdsr = $new_tdsr[1];

if (strlen($tdsr) == 1) {
    $tdsr = $tdsr."0";
}

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Question by:tjyoung
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Accepted Solution

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Ray Paseur earned 2000 total points
ID: 37779241
See http://www.laprbass.com/RAY_temp_tjyoung.php
Outputs: WITH EXPENSES = 5000 AND INCOME = 2000 YOUR TOTAL DEBT SERVICE RATIO IS 250% AND THIS IS TOO HIGH!
<?Php // RAY_temp_tjyoung.php
error_reporting(E_ALL);

// TEST DATA
$expenses = 5000;
$income   = 2000;

// COMPUTE THE RATIO AS A PERCENTAGE VALUE
$tdsr = ($expenses / $income) * 100.0;

// PREPARE A PRINTABLE VERSION (COULD DO THIS WITH OTHER NUMBERS, TOO)
$tdsr_printable = number_format($tdsr) . '%';

// SHOW THE WORK PRODUCT
echo "WITH EXPENSES = $expenses AND INCOME = $income YOUR TOTAL DEBT SERVICE RATIO IS $tdsr_printable ";
if ($tdsr > 50.0) echo "AND THIS IS TOO HIGH!";

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HTH, ~Ray
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