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Debt to EBITDA Calculator
Result
Chart
Show formula & working
Debt / EBITDA = Total debt ÷ EBITDA · Net debt / EBITDA = (Total debt − Cash) ÷ EBITDA
Typical lender reference: up to about 3–4x — a reference point, not an approval criterion.Details
How this works
Debt / EBITDA shows debt in terms of a year's operating earnings. It is widely used in larger corporate and project lending.
Net debt nets off surplus cash, which some lenders allow.
Frequently asked questions
Which debt counts?
All interest-bearing borrowings — term loans, working capital and other loans.
Why might it differ from DSCR?
Debt / EBITDA is a level measure; DSCR tests each year's repayments against cash flow.
Want your ratios read the way a lender reads them?
Classification, quasi-equity and one-off items all move the ratios. Talk to Rytvae before you approach lenders.