Ratios Extension

Gina's Avatar


12 Sep, 2023 09:56 PM

No income is included in the Debt Service to Income, Debt to Income (DTI), and Savings to Income (STI) ratios, even when ALL Income is Required, nothing is Disallowed, and there is definitely plenty of positive income. I even tried resetting the ratios to the "factory" settings, but still no income. Those ratios show in "n/a" on the Summary screen. Only the Debt to Assets ratio is working correctly—it does not require income in the calculation. The link to the "Ratios User Guide" does not work.

  1. 1 Posted by dwg on 12 Sep, 2023 10:26 PM

    dwg's Avatar

    A recent post said there was an updated version of this extension waiting on Moneydance to sign and post it:


  2. 2 Posted by Gina on 12 Sep, 2023 10:40 PM

    Gina's Avatar

    Thank you! I'll wait for the update.

  3. 3 Posted by Stuart Beesley ... on 18 Sep, 2023 07:53 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    You can get the latest signed ratios extension from here:


    rename to ratios.mxt first, before installing...

    Let me know it works OK?

  4. 4 Posted by Gina on 20 Sep, 2023 03:37 AM

    Gina's Avatar

    Thanks, Stuart!

    With the latest version (1037) of the ratios extension, the income is working again and both the Savings to Income (STI) and Debt to Assets ratios are calculating correctly. However, neither of the other two ratios, Debt Service to Income nor Debt to Income calculate the numerator correctly, which was also a problem in previous versions.

    On the attached Debt Service to Income report, the Apple MC credit card balance is getting picked up from a checking account so the balance is shown as a positive number. However, Home Loan (mortgage payment principal) is getting picked up from the loan account and, therefore, is shown as a negative number. Likewise, the Mortgage:Interest is getting picked up from the expense category and is also shown as a negative number. When the negative numbers are "added" to the positive number, the result is the loan principal and interest payments are being subtracted from the $9,524.98 balance. The debt payment total should actually be $13,557.62 and the ratio should be 54.9%.

    There are two other minor issues with the Ratios extension: The link to the Ratios User Guide does not work, and the Notes field is being truncated on the printed report.

  5. 5 Posted by Stuart Beesley ... on 20 Sep, 2023 10:13 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    To clarify, the issues you are pointing out are old pre-existing issues, not new ones. Yes?

    Does anyone else using this extn agree with your findings?

  6. 6 Posted by Stuart Beesley ... on 20 Sep, 2023 03:09 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    This also needs fixing. When closing dataset:

    ratios (1): 09-20 17:04:19.372|Error computing ratios: Cannot invoke "com.moneydance.modules.features.ratios.RatioSettings.getDateRange()" because the return value of "com.moneydance.modules.features.ratios.RatiosExtensionModel.access$600(com.moneydance.modules.features.ratios.RatiosExtensionModel)" is null
    java.lang.NullPointerException: Cannot invoke "com.moneydance.modules.features.ratios.RatioSettings.getDateRange()" because the return value of "com.moneydance.modules.features.ratios.RatiosExtensionModel.access$600(com.moneydance.modules.features.ratios.RatiosExtensionModel)" is null
        at com.moneydance.modules.features.ratios.RatiosExtensionModel$BackgroundRecalculateTask.run(RatiosExtensionModel.java:377)
        at java.base/java.util.concurrent.Executors$RunnableAdapter.call(Unknown Source)
        at java.base/java.util.concurrent.FutureTask.run(Unknown Source)
        at java.base/java.util.concurrent.ThreadPoolExecutor.runWorker(Unknown Source)
        at java.base/java.util.concurrent.ThreadPoolExecutor$Worker.run(Unknown Source)
        at java.base/java.lang.Thread.run(Unknown Source)
  7. 7 Posted by Gina on 20 Sep, 2023 07:43 PM

    Gina's Avatar

    Yes, these other issues are pre-existing. I initially reported this issue via email to [email blocked], but never received a response. The first time I posted the issue on this forum was 6/30/21, but I posted it as private and again never received a response. The system closed the issue. I tried again on 9/3/21, but again, I posted it as private, received no response, and the system closed the issue. When I noticed the issue with the income not being included in version 1036, I decided to revisit the other issues again, but publicly this time to see I could get a resolution. I don’t know whether or not anyone else using this extension agrees with my findings, but I know the calculation is incorrect. I think it could be easily resolved by using the absolute value of each debt so they are all summed as positive numbers.

  8. 8 Posted by Stuart Beesley ... on 21 Sep, 2023 07:26 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    Gina, I can't see notes being truncated. Can you send example of the notes and then the print output being truncated?

  9. 9 Posted by Stuart Beesley ... on 21 Sep, 2023 07:38 AM

    Stuart Beesley (Mr Toolbox)'s Avatar


    • Before I look any further, what impact does the "Always positive" setting have on each report type (in settings). Please can you run the same reports with always positive set and unset? Thanks

    • As for the helpguide link.. Yes, it's broken as the developer's site no longer exists. Unless anyone has a copy of this guide, we are snookered..?

  10. 10 Posted by Gina on 21 Sep, 2023 02:22 PM

    Gina's Avatar

    Hi Stuart,

    The report I attached on the 19th is with the Always positive Denominator unchecked. Even though I knew it should not make a difference since the debts that need to be summed using their absolute value are in the numerator, before posting, I tried checking the Always positive Denominator setting anyway. As expected, it made no difference in the calculation.

  11. 11 Posted by Gina on 21 Sep, 2023 02:35 PM

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    P.S. The link to the user guide should probably just be removed.

  12. 12 Posted by Stuart Beesley ... on 21 Sep, 2023 04:44 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    Hi Gina,

    Would you consider creating a test dataset with enough in it to verify each report runs OK (or not)..? I have never used the extn and don't have my dataset up to know what's right/wrong and I don't really have the time to do that... However, I am willing to address the issue if you can help..?

    To do this, use File/New... Create the accounts and data.. Ideally with just enough transactions to cover all scenarios... Then when done, file/export backup, and upload the xxx.moneydancearchive file here.

    Also run reports against this dataset and point out what's wrong and needs changing..

    After, just use File/Open to reopen your original file..

    If you like, email me:

  13. 13 Posted by Gina on 21 Sep, 2023 05:12 PM

    Gina's Avatar

    Hey Stuart,

    Absolutely! It may take me a week or so, but I’ll get it to you ASAP.


  14. 14 Posted by Stuart Beesley ... on 21 Sep, 2023 05:25 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    FYI - you can use Toolbox>update mode > advanced menu > clone dataset.. This will create a clone of your dataset with no txn data. Then you can file/Open this clone, edit the accounts to anonymise them (or delete unwanted ones), and then add dummy data.... You should also, use toolbox to change your password, zap md+ settings, and also to delete any OFX profiles. If you do create a clone to send to me, I suggest you use email....

    Of course, you may find it easier to just create a new test dataset... ;->

  15. 15 Posted by Gina on 21 Sep, 2023 06:31 PM

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    I’ll create a new one and email it to you.

  16. 16 Posted by Stuart Beesley ... on 21 Sep, 2023 06:37 PM

    Stuart Beesley (Mr Toolbox)'s Avatar

    OK, send me a test email now, so we are in contact...

  17. 17 Posted by Gina on 21 Sep, 2023 06:40 PM

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  18. 18 Posted by jeffcarp on 22 Sep, 2023 09:17 AM

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    The updated extension from GitHub resolved the N/A issue for me.

  19. 19 Posted by Stuart Beesley ... on 22 Sep, 2023 11:44 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    @jeffcarp. Do you have the same issues that Gina reported?

  20. 20 Posted by Stuart Beesley ... on 27 Sep, 2023 06:00 AM

    Stuart Beesley (Mr Toolbox)'s Avatar

    I've uploaded a preview build for ratios (1038) here:


    Would be grateful if anyone using the extension can test it and confirm their ratios are still OK? Thanks

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