Calculator

DSCR Calculator: Debt Service Coverage Ratio

See how lenders will view your coverage and leverage — and the largest loan your cash flow supports.

Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this

Annual cash flow (EBITDA)

Net income + interest + depreciation/amortization + documented add-backs.

Existing annual debt payments

Existing debt balance

New loan amount

Illustrative rate

Term

years

Target DSCR

Debt service coverage (DSCR)

2.64x

Meets your 1.25x target.

Debt / EBITDA

2.17x

New annual payments

$77,639

Max new loan at 1.25x

$1,313,781

Each lender calculates cash flow and coverage its own way. Educational estimate, not a credit decision.

Estimates only. Results vary. No guarantee of approval, rates or savings.

The formulas

DSCR = annual cash flow ÷ total annual debt payments (existing + new).
Debt / EBITDA = total debt (existing + new) ÷ annual cash flow.
Max new loan = the loan whose payment keeps DSCR at your target, at the rate and term you enter.