30-yr fixed 6.43% ▾ 0.06 wk

15-yr fixed 5.79% ▾ 0.04 wk

HELOC avg 7.90% — no change

Auto 60-mo new 6.82% ▴ +0.03 mo

Personal 24-mo 11.57% ▾ 0.12 qtr

Credit card APR 21.52% ▴ +0.09 qtr

as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)

Business Calculators

Debt Service Coverage Calculator

Lenders use the debt service coverage ratio (DSCR) to judge whether your income comfortably covers your debt payments. Find yours.

Inputs

Net operating income (annual)

Total annual debt payments

Estimates only. Change any value to recalculate instantly.

Debt service coverage ratio 1.36× Strong — comfortably covers debt.

Net operating income $150,000

Annual debt service $110,000

DSCR 1.36×

Income cushion $40,000

Income vs debt service

Debt service $110k
Income above debt $40k

A DSCR of 1.36× means your operating income is 1.36 times your debt payments. Commercial lenders typically require at least 1.25× to approve financing.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.