Enter the monthly debt payments ($) and the monthly gross income ($) into the Calculator. The calculator will evaluate the Serviceability Ratio. 

Serviceability Ratio Formula

SRV = MD / MI * 100


  • SRV is the Serviceability Ratio (%)
  • MD is the monthly debt payments ($)
  • MI is the monthly gross income ($)

To calculate Serviceability Ratio, divide the monthly debt payments by the monthly income, then multiply by 100.

How to Calculate Serviceability Ratio?

The following steps outline how to calculate the Serviceability Ratio.

  1. First, determine the monthly debt payments ($). 
  2. Next, determine the monthly gross income ($). 
  3. Next, gather the formula from above = SRV = MD / MI * 100.
  4. Finally, calculate the Serviceability Ratio.
  5. After inserting the variables and calculating the result, check your answer with the calculator above.

Example Problem : 

Use the following variables as an example problem to test your knowledge.

monthly debt payments ($) = 3000

monthly gross income ($) = 5000