Debt service coverage ratio calculator UK
Compare operating cash available with principal and interest payments due. Check the formula, worked example and limits before using your own figures.
Enter your figures
Debt service coverage
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Use the definition required by the lender or covenant. This simple ratio does not set a universal approval threshold or account for all restrictions.
How the debt service coverage ratio calculator uk works
Coverage ratio = cash available ÷ debt service.
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
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Worked example: debt service coverage ratio
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Cash available for debt service (£)
- 50,000
- Annual principal and interest due (£)
- 30,000
Debt service coverage: 1.67 times
Coverage ratio = cash available ÷ debt service.
Debt service coverage ratio: questions answered
What does the debt service coverage ratio calculation include?
Coverage ratio = cash available ÷ debt service. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Use the definition required by the lender or covenant. This simple ratio does not set a universal approval threshold or account for all restrictions.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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