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Calculators

Quick, free calculators for numbers lenders and owners use. Everything you type stays in your browser: nothing is sent or saved.

Debt-to-income (DTI) calculator

How much of your income before taxes goes to required debt payments each month. Lenders use it to judge how much more debt you can take on. What is DTI?

Mortgage, car, student and personal loans, and credit card minimums. Leave out rent and utilities.

Income before taxes and deductions.

Enter both amounts to see your debt-to-income ratio.

EBITDA calculator

Earnings before interest, taxes, depreciation and amortization: a rough measure of what a business's operations earn. Use figures for the same period, such as the last 12 months. What is EBITDA?

A loss is fine: enter it with a minus sign.

For the EBITDA margin.

Enter net income to start. Leave any amount you don't have blank.

Debt service coverage ratio (DSCR) calculator

How many times a business's or property's income covers its required loan payments. Use the same period for both amounts, monthly or yearly. What is DSCR?

Income after operating expenses, before loan payments and income taxes.

All required loan and lease payments for the same period.

Enter both amounts to see your debt service coverage ratio.

Educational estimates only. Lenders calculate these differently and look at much more, so these results aren’t an approval or a decision.

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