{
  "id": "debt-ratios-calculator",
  "version": "1.0.0",
  "name": "Debt Ratios Calculator",
  "shortName": "Debt Ratios",
  "description": "Calculate common solvency ratios from balance-sheet and income-statement figures.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "debt",
    "ratios",
    "calculator",
    "debt ratios calculator"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/debt-ratios-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "1.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-09-01",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Financial ratios are screening tools, not financial, accounting, lending, or investment advice.",
  "urls": {
    "page": "/calculator/debt-ratios-calculator/",
    "definition": "/calculator/debt-ratios-calculator/definition.json",
    "schema": "/calculator/debt-ratios-calculator/schema.json",
    "llms": "/calculator/debt-ratios-calculator/llms.txt",
    "legacyDefinition": "/calculator/debt-ratios-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/debt-ratios-calculator/?totalAssets=500000&totalLiabilities=220000&shareholdersEquity=280000&ebit=90000&interestExpense=15000&annualDebtService=40000&operatingCashFlow=105000",
  "queryParameters": {
    "totalAssets": {
      "label": "Total assets",
      "type": "money",
      "required": true,
      "default": 500000
    },
    "totalLiabilities": {
      "label": "Total liabilities",
      "type": "money",
      "required": true,
      "default": 220000
    },
    "shareholdersEquity": {
      "label": "Shareholders’ equity",
      "type": "money",
      "required": true,
      "default": 280000
    },
    "ebit": {
      "label": "EBIT / operating income",
      "type": "money",
      "required": true,
      "default": 90000
    },
    "interestExpense": {
      "label": "Interest expense",
      "type": "money",
      "required": true,
      "default": 15000
    },
    "annualDebtService": {
      "label": "Annual principal + interest payments",
      "type": "money",
      "required": true,
      "default": 40000
    },
    "operatingCashFlow": {
      "label": "Operating cash flow",
      "type": "money",
      "required": true,
      "default": 105000
    }
  },
  "inputs": [
    {
      "id": "totalAssets",
      "label": "Total assets",
      "type": "money",
      "required": true,
      "defaultValue": 500000,
      "min": 0,
      "step": 100
    },
    {
      "id": "totalLiabilities",
      "label": "Total liabilities",
      "type": "money",
      "required": true,
      "defaultValue": 220000,
      "min": 0,
      "step": 100
    },
    {
      "id": "shareholdersEquity",
      "label": "Shareholders’ equity",
      "type": "money",
      "required": true,
      "defaultValue": 280000,
      "step": 100
    },
    {
      "id": "ebit",
      "label": "EBIT / operating income",
      "type": "money",
      "required": true,
      "defaultValue": 90000,
      "step": 100
    },
    {
      "id": "interestExpense",
      "label": "Interest expense",
      "type": "money",
      "required": true,
      "defaultValue": 15000,
      "min": 0,
      "step": 100
    },
    {
      "id": "annualDebtService",
      "label": "Annual principal + interest payments",
      "type": "money",
      "required": true,
      "defaultValue": 40000,
      "min": 0,
      "step": 100
    },
    {
      "id": "operatingCashFlow",
      "label": "Operating cash flow",
      "type": "money",
      "required": true,
      "defaultValue": 105000,
      "step": 100
    }
  ],
  "outputs": [
    {
      "id": "debtToAssets",
      "label": "Debt-to-assets ratio",
      "format": "percent",
      "primary": true,
      "digits": 4
    },
    {
      "id": "debtToEquity",
      "label": "Debt-to-equity ratio",
      "format": "number",
      "digits": 6
    },
    {
      "id": "equityRatio",
      "label": "Equity ratio",
      "format": "percent",
      "digits": 4
    },
    {
      "id": "interestCoverage",
      "label": "Interest coverage",
      "format": "number",
      "digits": 4,
      "suffix": "×"
    },
    {
      "id": "debtServiceCoverage",
      "label": "Debt-service coverage",
      "format": "number",
      "digits": 4,
      "suffix": "×"
    },
    {
      "id": "accountingDifference",
      "label": "Assets − liabilities − equity",
      "format": "currency"
    }
  ],
  "formula": {
    "expression": "debt/assets = liabilities ÷ assets; debt/equity = liabilities ÷ equity; interest coverage = EBIT ÷ interest expense"
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "totalAssets": 500000,
        "totalLiabilities": 220000,
        "shareholdersEquity": 280000,
        "ebit": 90000,
        "interestExpense": 15000,
        "annualDebtService": 40000,
        "operatingCashFlow": 105000
      }
    }
  ],
  "sources": []
}