Free Tool
Free Debt Service Coverage Ratio (DSCR) Calculator
Enter net operating income and total debt service (principal + interest) to compute DSCR — a key ratio commercial lenders use to underwrite loans.
Tool workspace
Run the tool below, then copy or reuse the cleaned output in your spreadsheet or finance workflow.
- Lenders typically require DSCR of 1.2x or higher.
- Net operating income is pre-debt, pre-tax income from operations.
- Total debt service includes principal and interest payments.
Output
DSCR: 1.50x
Assessment: Excellent
Input stays in your browser. No upload is required for these free tools.