What this calculator does
Calculate common solvency ratios from balance-sheet and income-statement figures.
How it works
The calculator evaluates debt/assets = liabilities ÷ assets; debt/equity = liabilities ÷ equity; interest coverage = EBIT ÷ interest expense. Inputs are checked before calculation, and invalid values such as zero denominators or out-of-range selections produce a clear error instead of a misleading result.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
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?totalAssets=Total assetsMoney · Required · Default: 500,000
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?totalLiabilities=Total liabilitiesMoney · Required · Default: 220,000
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?shareholdersEquity=Shareholders’ equityMoney · Required · Default: 280,000
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?ebit=EBIT / operating incomeMoney · Required · Default: 90,000
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?interestExpense=Interest expenseMoney · Required · Default: 15,000
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?annualDebtService=Annual principal + interest paymentsMoney · Required · Default: 40,000
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?operatingCashFlow=Operating cash flowMoney · Required · Default: 105,000
Outputs
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debtToAssetsDebt-to-assets ratioPercentage · Primary output
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debtToEquityDebt-to-equity ratioNumber
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equityRatioEquity ratioPercentage
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interestCoverageInterest coverageNumber · Suffix: ×
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debtServiceCoverageDebt-service coverageNumber · Suffix: ×
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accountingDifferenceAssets − liabilities − equityCurrency
Inputs and results
The inputs are Total assets, Total liabilities, Shareholders’ equity, EBIT / operating income, Interest expense, Annual principal + interest payments, Operating cash flow. Results include Debt-to-assets ratio, Debt-to-equity ratio, Equity ratio, Interest coverage, Debt-service coverage, Assets − liabilities − equity.
Important notes
Financial ratios are screening tools, not financial, accounting, lending, or investment advice.