---
title: "Debt-to-Equity Ratio Calculator: Free and Private | MCC"
description: "Enter total liabilities and shareholders' equity to get your debt-to-equity ratio. Free, private, runs in your browser."
url: "https://mcc-solutionsnj.com/bookkeeping/debt-to-equity-ratio-calculator"
---

Free tool

# Debt-to-equity ratio calculator

Enter your total liabilities and shareholders' equity from the balance sheet to see how much of the business is financed by debt.

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Total liabilities ($)

Shareholders' equity ($)

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How it works

## How it works

The ratio is **total liabilities divided by shareholders' equity**. A higher number means more of the business is financed by debt rather than owner money.

FAQ

## About this calculator

**What is a good debt-to-equity ratio?**

It depends on the industry and the lender. Capital-heavy businesses often carry more debt than service businesses, so compare with similar companies and with your own history.

**Where do I find the numbers?**

Both are on the balance sheet. Total liabilities is the sum of current and long-term liabilities, and equity is assets minus liabilities.

**Can equity be negative?**

Yes, when liabilities exceed assets. The ratio is not meaningful then, so the calculator asks for positive equity.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

**Is this tax or financial advice?**

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

Related: [current ratio calculator](/bookkeeping/current-ratio-calculator), [quick ratio and working capital calculator](/bookkeeping/quick-ratio-and-working-capital-calculator). See [all free tools](/free-tools). More free tools: [Asset turnover ratio calculator](/bookkeeping/asset-turnover-ratio-calculator), [WACC calculator](/bookkeeping/wacc-calculator), [Operating leverage and break-even](/bookkeeping/operating-leverage-and-break-even-calculator), or [see all free tools](/free-tools).

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General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

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