Debt service coverage ratio calculator

Lenders look at whether cash flow covers the loan payments. See your coverage ratio and how much debt service your cash flow can support.

Your numbers

Usually net operating income. Some lenders use EBITDA or global cash flow, so confirm the definition.
All scheduled principal and interest payments for the year.
Many lenders ask for roughly 1.20x to 1.25x or higher. Requirements vary by lender and loan type.

Results

Debt service coverage ratio 1.39x Meets your target
Cash left after debt service$70,000
Most debt service supported at target$200,000
Room to add debt service$20,000

DSCR = cash flow available for debt service divided by total debt service. Definitions of cash flow differ between lenders and loan programs, and this is an estimate for planning, not a lending decision or financial advice.

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