CDIR Calculator
Compute Debt-to-Income Ratio 2026
Your GPU hours, inference tokens, and UBC staking determine your Machine Economy credit score.
Compute is the new credit. Part of the Algorithmic Age Survival Hub -- 114+ free tools for the new economy.
CDIR Calculator
Enter your compute consumption and yield inputs. See your Compute Debt-to-Income Ratio in the Machine Economy.
Model Tier
Cloud Provider
Monthly Compute Spend
$247Total monthly cloud/AI spend across all providers
Inference Hours
120 hrsHours of model inference per month
Training Hours
8 hrsFine-tuning and training runs. Costs 10x inference.
Staked UBC
5,000Universal Basic Compute tokens staked for yield
UBC Yield %
7.2%Annual yield on staked UBC (current avg: 7.2%)
GPU Credits
2Number of GPU credit allocations (worth ~$120 each)
CDIR Ratio
267%
Score
100/100
Monthly Burn
$967
Tier
CRITICAL
CDIR Calculator -- Frequently Asked Questions
What is CDIR (Compute Debt-to-Income Ratio)?
CDIR measures how much of your compute consumption is covered by your compute income (UBC yield + GPU credits). A CDIR under 20% means your compute economy is healthy. Over 80% means you are in compute debt crisis -- the Machine Economy equivalent of maxed-out credit cards.
Why does compute consumption equal credit risk?
In the Machine Economy, your AI inference costs, training runs, and agent operations are financial liabilities. Just like traditional debt-to-income ratios determine mortgage eligibility, your CDIR will determine access to agentic credit lines, GPU financing, and compute-backed lending.
What is UBC (Universal Basic Compute)?
UBC is the emerging concept of guaranteed compute access -- similar to Universal Basic Income but for processing power. Staking UBC tokens generates yield that offsets your compute consumption costs, improving your CDIR ratio.
How is my CDIR Score calculated?
CDIR equals Total Compute Cost divided by Total Compute Income, times 100. Compute cost includes inference hours times model cost plus training hours at 10x model cost. Income includes monthly UBC yield plus GPU credit value. A lower CDIR is better.
What are the CDIR tier thresholds?
EXCELLENT (0-20%): Compute income vastly exceeds costs. STABLE (21-50%): Balanced but vulnerable to shocks. FRAGILE (51-80%): Yield insufficient, one spike triggers spiral. CRITICAL (81%+): Compute debt crushing -- Machine Economy default risk.
How do GPU credits work as collateral?
GPU credits represent allocated processing capacity valued at approximately $120 per credit per month. They function as collateral in the Machine Economy -- similar to how real estate backs traditional mortgages, GPU allocations back compute-based lending.
What happens if my CDIR goes critical?
A CRITICAL CDIR (81%+) triggers cascading risks: agentic credit lockout, inability to run autonomous AI agents, compute rationing, and eventual spillover into traditional credit damage as compute bills go unpaid. The 90-day optimization plan targets sub-50% recovery.
How does the Algorithmic Survival Hub relate to CDIR?
The Algorithmic Survival Hub is the central intelligence page for all 10 moonshot tools in the compute credit cluster. CDIR is Tool number 1 -- the entry diagnostic. The hub maps four pillars: Compute Credit, Agentic Credit, Biological Credit, and Economic Survival Credit.