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Both calculators run independently — change the inputs on either side to compare results.

Debt Service Coverage Calculator

Compute your Debt Service Coverage Ratio (DSCR) to see whether your property or business generates enough income to cover its debt payments. Banks require a minimum DSCR before approving commercial or investment property loans.

Net Operating Income ($)

Annual Debt Service ($)

Fill in the required fields to see your result.

Debt

Debt-to-Income Ratio Calculator

Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.

Monthly Debt Payments ($)

Monthly Gross Income ($)

Fill in the required fields to see your result.

Key differences

	Debt Service Coverage Calculator	Debt-to-Income Ratio Calculator
Category	Debt	Debt
Inputs required	2	2
Result	Debt Service Coverage Ratio	Debt-to-Income Ratio (%)
What it does	Compute your Debt Service Coverage Ratio (DSCR) to see whether your property or business generates enough income to cover its debt payments. Banks require a minimum DSCR before approving commercial or investment property loans.	Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.