Annual Debt Service Calculator for Rental Property Investors

Last Updated: June 28, 2025

Understanding Annual Debt Service

Annual debt service plays a critical role in managing loans and real estate investments. Applying an annual debt service calculator gives you immediate clarity about payment requirements and supports accurate financial planning.

What Is Annual Debt Service?

Annual debt service measures the total principal and interest payments you must make on a loan within a single year. Using an annual debt service calculator, you combine these payment amounts into a yearly figure, which reflects your minimum debt obligation. Most financial professionals, lenders, and property owners use annual debt service to monitor borrowing requirements and assess financial health for any given property or loan.