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Calculators / Debt / DSCR
FREE DEBT CALCULATOR

DSCR Calculator

Compare annual NOI or cash available for debt service with annual debt service.

Your assumptions

INDICATIVE RESULT
1.38x
Cash after debt service€250,000

Calculated directly from the assumptions shown.

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FORMULA

How the dscr calculation works

DSCR = annual cash available for debt service ÷ annual interest and scheduled principal.

Example calculation

€900k of NOI and €650k of annual debt service produce 1.38x DSCR.

INVESTMENT USE

How professionals use the result

Use DSCR to test payment capacity. Confirm whether the lender uses NOI, EBITDA or another cash-flow definition.

Common mistakes

  • Using monthly NOI with annual debt service
  • Leaving scheduled principal out
  • Using gross revenue
  • Ignoring reserve requirements
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CONNECTED ANALYSIS

Related financial model

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Acquisition Financing Model

Calculate acquisition loan capacity, amortization, debt service, fees and equity funding.

CLEAR ANSWERS

DSCR Calculator FAQs