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Free calculator
Debt coverage calculator
Compute an EBITDA-based fixed charge coverage ratio (FCCR) and debt service coverage ratio (DSCR) from the same inputs. Runs in your browser — nothing is uploaded.
Numbers stay in this tab until you download a summary. No financial inputs are sent to analytics.
Enter every amount in one currency and one reporting period (for example trailing twelve months). This page uses a named teaching definition from our coverage guides — not a universal lender covenant.
Inputs
Enter a number.
Enter a number.
Enter a number.
Enter a number.
Enter a number.
Enter a number.
Illustrative minimum such as 1.25. Headroom is numerator surplus against target × debt service — not borrowing capacity.
Results
Fill every required field to see FCCR and DSCR.
Read the definitions
Keep the inputs in a plain-text ledger
Beancount.io helps you reconcile EBITDA, debt schedules and distributions so coverage math stays auditable.