Interest Coverage Ratio Kalkulator

Think of the Interest Coverage Ratio (ICR) as your financial 'breathing room' score. Whether you are running a bustling neighborhood bakery, managing a side hustle, or looking to invest your hard-earned savings into a stock, you need to know if a business can comfortably pay its debts. This calculator takes the mystery out of the process by comparing a business's daily operating profits against its monthly interest obligations. It answers the fundamental question: 'How many times over could this business pay its lenders using only its everyday earnings?' When you run the numbers, the resulting ratio tells a powerful story about financial survival. A comfortable ratio, typically 3.0 or higher, means the business earns three times more than its interest bills—giving it a fantastic safety net to handle slow months, broken equipment, or sudden economic shifts. However, if that number slips below 1.5, the financial ice is getting thin. If it drops below 1.0, the business isn't even making enough money from its daily operations to cover the interest on its loans, which is a major warning sign of impending trouble. By using this calculator, you can play detective with any business's financial health. You can easily test different scenarios, like what happens if sales drop by 20% or if a floating interest rate suddenly climbs. It is an indispensable tool for protecting your investments, planning your own business's growth, and making sure you never take on more debt than you can safely handle.

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1. 1Grab your income statement and locate the operating profit (EBIT—Earnings Before Interest and Taxes).
2. 2Find the total interest expenses paid to lenders for that exact same time period.
3. 3Divide the operating profit by the total interest expense to find your safety ratio.
4. 4Input these numbers into the DigiCalcs tool to instantly see your financial cushion score.
5. 5Try adjusting the values to see how a drop in sales or a rise in interest rates affects your score.

• !Using Net Income instead of EBIT. Net income already has interest and taxes taken out, which will completely throw off your ratio.
• !Ignoring short-term debts. Make sure to include interest from business credit cards and short-term lines of credit, not just major bank loans.
• !Comparing companies across different industries. A steady utility company can safely run a low ratio, while a seasonal retail shop needs a much higher cushion.