DSR calculator

Compare your debt service ratio before and after a new monthly repayment.

What you need

Net monthly income (RM) — Income after EPF, SOCSO and tax deductions. Use the income assessed by your lender; do not deduct existing loan repayments again.
Existing housing repayments (RM)
Car repayments (RM)
Personal loan repayments (RM)
Credit card monthly commitment (RM) — Enter the monthly amount counted by your lender, not your outstanding card balance. Card assessment methods vary.
Other monthly debt (RM) — Include PTPTN, BNPL, non-bank instalments and other debt repayments not entered above.
Proposed new monthly repayment (RM) — Enter 0 to assess current debts only. Do not also include this payment in existing debts.
Planning DSR limit (%)

DSR = monthly debt repayments / net monthly income × 100. All repayments must use the same monthly period.
Your planning limit is an editable assumption, not a universal bank threshold or a lending decision. Income treatment and commitment assessment vary by lender.
Income remaining excludes living costs, savings, insurance and other non-debt expenses. This calculator does not determine loan approval.

Use the interactive calculator to adjust your scenario. Inputs stay in this page and are not saved in a share URL.