La Calculadora de capacidad de endeudamiento is a financial tool used to determine how much debt an individual or business can responsibly take on without jeopardizing financial de estabilidad. It helps assess whether a borrower can afford additional loans while maintaining healthy cash de tus señales and debt service coverage.
This tool is useful for:
- Empresas looking to expand through financing.
- Inversionistas evaluating corporate financial health.
- Instituciones financieras assessing creditworthiness.
- Gobiernos y municipios determining borrowing limits.
calculando debt capacity, borrowers can ensure they do not exceed their ability to service debt, reducing financial risk.
Formula of Debt Capacity Calculator
Calcular Capacidad de endeudamiento, utilice la siguiente fórmula:
Debt Capacity = (Anual × Debt Service Coverage Ratio) / Annual Debt Service
Lugar:
- EBITDA (ganancias antes de intereses, impuestos, depreciación y amortización)
EBITDA = Net Income + Interest Expense + Taxes + Depreciation + Amortization- Lngresos netos = Total earnings after all expenses, including interest and taxes.
- Gastos por intereses = Cost of debt financing.
- Los Impuestos = Income taxes paid.
- Depreciación = Reduction in asset value over time.
- Amortización = Spread of intangible asset costs over time.
- Índice de cobertura del servicio de la deuda (DSCR)
La required DSCR es generalmente 1.25 o más alto, meaning the borrower must generate at least 1.25 times the debt payment in earnings. - Servicio de deuda anual
el total de pagos de capital e intereses due annually on all outstanding debts.
Interpretando el resultado:
- Higher Debt Capacity → Indicates financial flexibility to take on additional debt.
- Lower Debt Capacity → Suggests limited ability to service new debt.
Debt Capacity Reference Table
La siguiente tabla proporciona una referencia rápida for different debt capacity scenarios:
| EBITDA ($) | DSCR | Annual Debt Service ($) | Debt Capacity ($) |
|---|---|---|---|
| 500,000 | 1.25 | 100,000 | 6,250,000 |
| 1,000,000 | 1.50 | 200,000 | 7,500,000 |
| 750,000 | 1.25 | 150,000 | 6,250,000 |
| 1,500,000 | 1.75 | 300,000 | 8,750,000 |
This table helps businesses and lenders quickly estimate maximum borrowing limits basándose en earnings and debt obligations.
Example of Debt Capacity Calculator
A tiene lo siguiente Datos financieros:
- Anual = $ 1,000,000
- DSCR = 1.5
- Servicio de deuda anual = $ 200,000
Usando la fórmula:
Debt Capacity = (1,000,000 × 1.5) / 200,000
Debt Capacity = 1,500,000 / 200,000 = 7.5 millones de dólares
Interpretación:
- la empresa puede safely support up to $7.5 million in total debt manteniendo la estabilidad financiera.
Preguntas frecuentes más comunes
Ayuda borrowers, lenders, and investors evaluar how much debt is manageable without financial strain, ensuring estabilidad a largo plazo.
A DSCR of 1.25 or higher is considered financially sound, meaning a company generates at least 25% more earnings than required to cover debt payments.
Yes. While a high debt capacity indicates borrowing potential, taking on excessive debt aumentos riesgo financiero y puede llevar a problemas de flujo de caja.