Simple Calculators

These calculators are for educational purposes only meant to estimate EBITDA, debt service coverage (DSCR), and break-even point with three straightforward manual inputs. Results are estimates based on the figures you enter and do not constitute financial, lending, tax, or investment advice. No data entered is ever stored, saved, shared or sent to Medema Partners or its affiliates.

EBITDA

EBITDA measures operating earnings before interest, taxes, depreciation, and amortization. It helps compare profitability across businesses and is commonly used in valuation and lending.

Annual Revenue

Net Income

Interest Expense

Income Tax Expense

Depreciation & Amortization

EBITDA

$260,000

EBITDA Margin

17.3%

Debt Service Coverage

DSCR measures how much cash flow a business generates relative to its debt obligations. Lender requirements vary by loan type and institution.

Annual Cash Flow Available for Debt Service

Annual Debt Payments

DSCR

1.35×

Above 1.25×Cash flow covers debt with a cushion.

Break-Even

Break-even analysis shows the sales volume needed to cover costs, helping you test pricing and evaluate whether operating costs are sustainable.

Monthly Fixed Costs

Selling Price per Unit

Variable Cost per Unit

Units / Month

334

Monthly Revenue

$40,080

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