This Debt Service Ratio calculator will help you calculate the ratio of your properties operating income available to service its respective annual debt expenses. The debt service expenses will include payments on the mortgage (principal, interest), lease costs, taxes and insurance costs. If an entity has a ratio below 1.0, it generates less income than it requires to services its debts which may impact its potential additional lending capability.
Enter your information into the calculator below, and push Calculate.
If you've found a bug, or would like to contact us please click here.
Calculate.co.nz is partnered with Interest.co.nz for New Zealand's highest quality calculators and financial analysis.
© 2019–2025 Calculate.co.nz. All rights reserved.
All content on this website, including calculators, tools, source code, and design, is protected under the Copyright Act 1994 (New Zealand). No part of this site may be reproduced, copied, distributed, stored, or used in any form without prior written permission from the owner.
All calculators and tools are provided for educational and indicative purposes only and do not constitute financial advice.
Calculate.co.nz is part of the
realtor.co.nz,
GST Calculator,
GST.co.nz, and
PAYE Calculator group.
Calculate.co.nz is also partnered with
Health Based Building and
Premium Homes to promote informed choices that lead to better long-term outcomes for Kiwi households.