# Annual Debt Service Calculator

The annual debt service (ADS) can be explained as the overall amount that is needed every year to make payment on interest and loans on the long term bonds and loans.

One way of calculating annual debt service is by adding principal payments with the interest payments and then multiply the amount by 12 which would give the annual debt service.

In some cases, we would have only the annual net operating income and debt coverage ratio, in these circumstances we can find the annual debt service with the help of this below formula:

where,
ANOI = Annual Net Operating Income
DCR = Debt Coverage Ratio

In the below online annual debt service calculator, enter the ANOI and DCR in the respective input boxes and then click calculate to find the output.

 Annual Net Operating Income (ANOI): Debt Coverage Ratio (DCR): Annual Debt Service (ADS):

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