DSCR Calculator (Debt Service Coverage Ratio)
Fill in the values and the answer updates as you type.
How the DSCR Calculator (Debt Service Coverage Ratio) works
DSCR = net operating income ÷ annual debt service. Debt service is twelve times the monthly loan payment, P × r ÷ (1 − (1 + r)^−n). Lenders on investment properties often ask for 1.20 to 1.25 or more. The largest loan = (NOI ÷ minimum DSCR) ÷ annual payment per dollar borrowed, so it shows how much debt the income can carry. Example: A property with $60,000 of NOI and a $600,000 loan at 7 percent over 25 years has debt service of $50,888.10 a year, so DSCR is 1.18. At a 1.25 minimum, the largest loan is about $565,947.61.
Inputs and results
The DSCR Calculator (Debt Service Coverage Ratio) takes 5 inputs and gives 4 results.
What you enter
- Net operating income per year ($) — starts at 60000.
- Loan amount ($) — starts at 600000.
- Interest rate (%) — starts at 7.
- Loan term (years) — starts at 25.
- Lender minimum DSCR — starts at 1.25.
What you get
- DSCR
- Result
- Annual debt service
- Largest loan at the minimum DSCR
Example: DSCR Calculator (Debt Service Coverage Ratio) with the starting values
With net operating income per year 60000 $, loan amount 600000 $, interest rate 7 %, loan term 25 years and lender minimum dscr 1.25, the calculator returns:
| DSCR | 1.18 |
|---|---|
| Result | Below the lender minimum |
| Annual debt service | $50,888.1 |
| Largest loan at the minimum DSCR | $565,947.61 |
Change any value above and the results update straight away.
DSCR Calculator (Debt Service Coverage Ratio) FAQ
How do I use the DSCR Calculator (Debt Service Coverage Ratio)?
Enter net operating income per year, loan amount, interest rate and loan term in the fields, then read dscr, result, annual debt service and largest loan at the minimum dscr in the result panel. The answer updates as you type, and you can press Calculate or Enter to refresh it. Use “Copy link” to share your exact numbers with someone else.
What does the DSCR Calculator (Debt Service Coverage Ratio) calculate?
Debt service coverage ratio and the largest loan your income supports. It returns dscr, result, annual debt service and largest loan at the minimum dscr from the 5 values you provide.
What values does the DSCR Calculator (Debt Service Coverage Ratio) start with?
It opens with net operating income per year 60000 $, loan amount 600000 $, interest rate 7 % and loan term 25 years so you can see a working result straight away. Replace them with your own numbers, or press Reset to return to these starting values.
Is the DSCR Calculator (Debt Service Coverage Ratio) free and private?
Yes. It is free, needs no account, and runs in your browser, so nothing you type is sent to or stored on our servers. See the Privacy Policy for details.
Can I rely on the DSCR Calculator (Debt Service Coverage Ratio) for financial decisions?
Treat the result as a well-rounded estimate. Real situations often have details a general calculator cannot know, so confirm financial decisions with a qualified professional. See the Disclaimer for more.