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Open tool →● Repayments · Fees · DSCR · Browser-onlyBusiness loan repayment,
Business loan repayment,
comparison & DSCR calculator
Estimate repayments and fees, compare three neutral scenarios, inspect amortisation and stress-test debt-service coverage.
✓ No sign-up✓ Browser-based✓ Instant results
A numerical model—not a lending decision
This calculator is not intended to be relied on as the sole basis for a financial-product decision. It does not assess eligibility, approval, suitability or what any lender will offer. Consider obtaining advice from an appropriately licensed financial-services professional before making a financial decision.
Model assumptions
- All rates are nominal annual rates and remain unchanged unless you run a stress scenario.
- Principal-and-interest calculations compound at the selected repayment frequency.
- Fees are included only as entered; the result is not an APR, comparison rate or lender quote.
- Interest-only modelling leaves the financed principal due at the end of the term.
- DSCR uses operating income divided by the annual debt service entered or calculated here; lender definitions can differ.
01 · Loan assumptions
Build a neutral loan estimate
Add modelled fees
Ready when you are
Enter your own loan assumptions or deliberately load the labelled example.
02 · Neutral comparison
Compare three numerical scenarios
Monthly-equivalent debt service includes repayment-period and annual fees so monthly, fortnightly and weekly scenarios remain comparable. No option is labelled “best”.
03 · Coverage & sensitivity
Calculate DSCR and test changed conditions
Calculate a valid loan estimate first. Utilaroo uses that loan’s annual debt service and does not prescribe a lender threshold.
How the model works
Principal-and-interest repayments use a standard present-value annuity calculation. A balloon is discounted to the end of the term before the regular repayment is calculated. Interest-only repayments cover modelled periodic interest and leave principal due at maturity.
DSCR equals operating income divided by existing and proposed annual debt service. Definitions, adjustments and minimums differ between lenders and agreements, so use the result only as a transparent numerical scenario.
Inputs remain in this browser. This page does not contain an application form, lender referral, product ranking or advertising placement.
Current authoritative context
Understand the model before using the result
ASIC’s generic-calculator framework requires clear assumptions and limitations. Moneysmart similarly describes financial calculators as models rather than predictions.