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Debt Service Coverage Ratio (DSCR) Calculator

DSCR = NOI / total debt service — loan repayment capacity.

Calculates DSCR from net operating income (NOI) and annual debt service (P&I) to assess whether a property or business can service its debt.

Daniel Oh By Daniel Oh
Published Last reviewed 1 min read

Inputs

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

DSCR = NOI / (principal + interest); DSCR ≥ 1.25 is typical lender requirement

In depth

Calculates DSCR from net operating income (NOI) and annual debt service (P&I) to assess whether a property or business can service its debt.