Verified formula Updated Jun 2026 Private — runs on your device
Debt service coverage ratio
1.20
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
The DSCR Calculator works out your debt service coverage ratio in an instant. Enter net operating income (annual) and annual debt service and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
The DSCR Calculator uses the formula:
Debt service coverage ratio = Net operating income (annual) ÷ Annual debt service
For example, with net operating income (annual) of ₹600,000 and annual debt service of ₹500,000, the debt service coverage ratio is 1.20.
| Net operating income (annual) | ₹600,000 |
|---|---|
| Annual debt service | ₹500,000 |
| Debt service coverage ratio | 1.20 |
|---|
Results are estimates for educational use, not professional advice.
A DSCR of 1.25 or higher is generally considered good by lenders — it means the income available is at least 1.25 times the debt payments. A DSCR below 1.0 means income does not cover the debt, while 1.5 and above is seen as strong.
Cut through property hype with the numbers that matter — NOI, cap rate, rental yield, cash-on-cash return and DSCR — plus the costs beginners forget, so you can judge a deal like an investor.
Reference table of debt service coverage ratio for DSCR across a range of net operating income (annual) values — exact, engine-computed figures you can read off at a glance.
Learn how to calculate DSCR — the formula explained step by step, with worked examples and a free calculator to check your answer.