Debt Service Coverage Ratio Calculator (DSCR)

Quickly calculate your business’s loan repayment capacity with our DSCR loan calculator—see if your income covers your debt obligations and improve your chances of loan approval.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

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DSCR Calculator

1. Monthly Net Operating Income

Your net operating income is the income left after all your operating expenses are paid.

Monthly revenue or sales:

Monthly cost of goods sold:

Monthly employee salary expense:

Monthly rent expense:

Monthly utility expense:

Monthly Insurance expense:

Other expense:

Your monthly operating income is:

$0.00

2. Monthly Debt Service Cost

Your debt service cost is the dollar sum of all of your loan payments over one month.

Payment Frequency: Enter your required monthly payment:

Your monthly total debt service cost is:

$0.00

Final Results

DSCR = Monthly net operating income ÷ Monthly debt service cost

Monthly net operating income: $0.00

Monthly debt service cost: $0.00

Debt service coverage ratio: 0

The results generated by this calculator are provided for general information purposes only and are based on the information you input. They are indicative estimates only and do not constitute an offer of finance, credit approval, or a formal quote. This calculator does not take into account your personal or business objectives, financial situation, or needs and should not be relied upon as financial, legal, or tax advice. Actual terms, rates, fees, repayments, and eligibility criteria may vary depending on lender assessment and individual circumstances. You should not make any financial decision based solely on these results and we strongly recommend speaking with one of our finance specialists to obtain advice tailored to your specific situation before proceeding.