Household debt levels are climbing but so is net wealth, while the proportion of income going to interest payments is steady.According to a chart pack released by the Reserve Bank yesterday, household debt as a percentage of household disposal income continued to rise over the past 12 months. Since the financial crisis, when it fell, the ratio of household debt to income has climbed from around 170 per cent to more than 180 per cent.However, over the same period the ratio of interest paid to household income has fallen from around 11 per cent to less than nine per cent. It has remained at that level over the past couple of years.And while debt keeps rising, so does household wealth. The value of both financial assets and dwellings has picked up since the financial crisis.According to the RBA, household net wealth as a proportion of household disposable income has increased from around 500 per cent in 2009 to more than 700 per cent today.The household savings ratio, which climbed above ten per cent during the crisis has declined steadily since then. According to Australian Bureau of Statistics data, it fell from 6.7 per cent in the June quarter to 6.3 per cent in the September quarter.