Annual Debt Service Calculator

✖Principal refers to the original amount of money borrowed in a loan, excluding interest and other charges.ⓘ Principal [Pri.]			+10% -10%
✖Interest Amount refers to the cost of borrowing money, typically expressed as a percentage or the principal amount borrowed.ⓘ Interest Amount [Int.]			+10% -10%

✖Annual Debt Service is the total principal and interest payment owed on a financial obligation, such as a commercial mortgage loan, expressed on an annual basis.ⓘ Annual Debt Service [ADS]

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Formula

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Annual Debt Service

Formula

`"ADS" = "Pri."+"Int."`

Example

`"803200"="800000"+"3200"`

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Annual Debt Service Solution

STEP 0: Pre-Calculation Summary

Formula Used

Annual Debt Service = Principal+Interest Amount
ADS = Pri.+Int.
This formula uses 3 Variables

Variables Used

Annual Debt Service - Annual Debt Service is the total principal and interest payment owed on a financial obligation, such as a commercial mortgage loan, expressed on an annual basis.
Principal - Principal refers to the original amount of money borrowed in a loan, excluding interest and other charges.
Interest Amount - Interest Amount refers to the cost of borrowing money, typically expressed as a percentage or the principal amount borrowed.

STEP 1: Convert Input(s) to Base Unit

Principal: 800000 --> No Conversion Required
Interest Amount: 3200 --> No Conversion Required

STEP 2: Evaluate Formula

Substituting Input Values in Formula

ADS = Pri.+Int. --> 800000+3200

Evaluating ... ...

ADS = 803200

STEP 3: Convert Result to Output's Unit

803200 --> No Conversion Required

FINAL ANSWER

803200 <-- Annual Debt Service

(Calculation completed in 00.004 seconds)

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Created by Vishnu K

BMS College of Engineering (BMSCE), Bangalore

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Verified by Keerthika Bathula

Indian Institute of Technology, Indian School of mines, Dhanbad (IIT ISM Dhanbad), Dhanbad

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< 16 Debt Management Calculators

Levered Free Cash Flow

Go Levered Free Cash Flow = Net Income+Depreciation and Amortization-Change in Net Working Capital-Capital Expenditure-Net Borrowing

Present Value of Outstanding Balance

Go Present Value of Outstanding Balance = Existing Payment*(1-(1+Rate of Interest per Annum)^(-Frequency of Payments)/Rate of Interest per Annum)

Home Equity Line of Credit

Go Maximum Line of Credit = Maximum Loan to Value Ratio*Appraised Fair Value of Equity-Outstanding Mortgage Balance

Breakeven Occupancy

Go Breakeven Occupancy Ratio = (Total Operating Expenses+Annual Debt Service)/Potential Gross Income

Average Payment Period

Go Average Payment Period = Average Accounts Payable/(Credit Purchases/Number of Days in Period)

Paid-in-Kind Interest

Go Paid-in-Kind Interest = Paid-in-Kind Interest Rate*Beginning PIK Debt Balance

Senior Debt Ratio

Go Senior Debt Ratio = Senior Debt/EBIT and Depreciation and Amortization

Mortgage Refinance Breakeven Point

Go Mortgage Refinance Breakeven Point = Total Loan Costs/Monthly Savings

Debt Service Coverage Ratio

Go Debt Service Coverage Ratio = Net Operating Income/Annual Debt

Mortgage Constant

Go Mortgage Constant = Annual Debt Service/Total Loan Amount

Solvency Risk Ratio

Go Solvency Risk Ratio = Total Assets/Total Long Term Debt

Loan Constant

Go Loan Constant = Annual Debt Service/Total Loan Amount

Debtor Days

Go Debtor Days = (Accounts Receivable/Credit Sales)*365

Annual Debt Service

Go Annual Debt Service = Principal+Interest Amount

Net Debt

Go Net Debt = Gross Debt-Cash and Cash Equivalents

Overhead Rate

Go Overhead Rate = Overhead Costs/Revenue

Annual Debt Service Formula

Annual Debt Service = Principal+Interest Amount
ADS = Pri.+Int.

What is Annual Debt Service?

Annual Debt Service encompasses all payments related to servicing debt, including both interest and principal repayments.
The annual debt service includes payments on various types of debt, such as loans, bonds, mortgages, and other financial obligations. It is an important metric for borrowers to understand as it represents the financial burden imposed by debt and helps assess the affordability of debt repayments within a specific time frame.
Calculating the annual debt service involves summing up all scheduled payments for principal and interest on outstanding debt for the year. This total amount reflects the cash outflow required to service debt obligations and is essential for budgeting and financial planning purposes.

How to Calculate Annual Debt Service?

Annual Debt Service calculator uses Annual Debt Service = Principal+Interest Amount to calculate the Annual Debt Service, The Annual Debt Service refers to the total amount of money a borrower is required to pay towards debt obligations over the course of a year. Annual Debt Service is denoted by ADS symbol.

How to calculate Annual Debt Service using this online calculator? To use this online calculator for Annual Debt Service, enter Principal (Pri.) & Interest Amount (Int.) and hit the calculate button. Here is how the Annual Debt Service calculation can be explained with given input values -> 803200 = 800000+3200.

FAQ

What is Annual Debt Service?

The Annual Debt Service refers to the total amount of money a borrower is required to pay towards debt obligations over the course of a year and is represented as ADS = Pri.+Int. or Annual Debt Service = Principal+Interest Amount. Principal refers to the original amount of money borrowed in a loan, excluding interest and other charges & Interest Amount refers to the cost of borrowing money, typically expressed as a percentage or the principal amount borrowed.

How to calculate Annual Debt Service?

The Annual Debt Service refers to the total amount of money a borrower is required to pay towards debt obligations over the course of a year is calculated using Annual Debt Service = Principal+Interest Amount. To calculate Annual Debt Service, you need Principal (Pri.) & Interest Amount (Int.). With our tool, you need to enter the respective value for Principal & Interest Amount and hit the calculate button. You can also select the units (if any) for Input(s) and the Output as well.

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