What you provide
What you provide
- Annual net operating income: Income available for debt service under the definition used by your lender.
- Total annual debt service: Principal and interest payments due across the matching annual period.
SOLVENCY / DSCR
Debt Service Coverage Calculator
Measure how many times annual net operating income covers the entered principal and interest debt service, with the remaining income cushion shown.
- 01 Calculated in this tab
- 02 Values stay in this browser tab
- 03 Use boundary
Use boundary
Calculation path
Net operating income is divided by matching-period principal and interest debt service; the calculator does not infer lender add-backs or covenant adjustments.
Calculation path
DSCR = net operating income / total annual principal and interest debt service.
What you receive
What you receive
- Debt service coverage multiple
- Income remaining after debt service
- Visible income and payment inputs
Use boundary
Choose the maximum decimal places shown. This does not increase source accuracy.
Lender definitions may adjust taxes, reserves, leases, owner compensation, extraordinary items, and minimum required coverage.
This is an educational planning estimate, not accounting, tax, lending, or pricing advice. Confirm definitions, source records, commercial terms, and decisions with the responsible professional.