# Debt Ratios Calculator

> Calculate common solvency ratios from balance-sheet and income-statement figures.

Page: https://askcalculators.com/calculator/debt-ratios-calculator/
Definition: https://askcalculators.com/calculator/debt-ratios-calculator/definition.json
JSON Schema: https://askcalculators.com/calculator/debt-ratios-calculator/schema.json
Version: 1.0.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/calculator/debt-ratios-calculator/?totalAssets=500000&totalLiabilities=220000&shareholdersEquity=280000&ebit=90000&interestExpense=15000&annualDebtService=40000&operatingCashFlow=105000

## Inputs
- totalAssets: Total assets; type=money; required; default=500000; min=0
- totalLiabilities: Total liabilities; type=money; required; default=220000; min=0
- shareholdersEquity: Shareholders’ equity; type=money; required; default=280000
- ebit: EBIT / operating income; type=money; required; default=90000
- interestExpense: Interest expense; type=money; required; default=15000; min=0
- annualDebtService: Annual principal + interest payments; type=money; required; default=40000; min=0
- operatingCashFlow: Operating cash flow; type=money; required; default=105000

## Outputs
- debtToAssets: Debt-to-assets ratio; format=percent; primary
- debtToEquity: Debt-to-equity ratio; format=number
- equityRatio: Equity ratio; format=percent
- interestCoverage: Interest coverage; format=number
- debtServiceCoverage: Debt-service coverage; format=number
- accountingDifference: Assets − liabilities − equity; format=currency

## Formula
debt/assets = liabilities ÷ assets; debt/equity = liabilities ÷ equity; interest coverage = EBIT ÷ interest expense

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Financial ratios are screening tools, not financial, accounting, lending, or investment advice.