DSR Calculator

Calculate your Debt Service Ratio and loan affordability (BNM 70% guideline)

Income & Debt Details

Your total monthly income before deductions

Car loans, personal loans, credit cards, other housing loans, etc.

Monthly payment for the new loan you're considering

DSR Results

Enter your income and debt details to calculate DSR

What is DSR?

Debt Service Ratio (DSR) is the percentage of your gross monthly income used to service debt obligations. It's calculated as:

DSR = (Total Monthly Debt / Monthly Income) × 100

BNM Guidelines

Bank Negara Malaysia (BNM) recommends a maximum DSR of 70% for responsible lending. Banks use DSR to assess your ability to repay loans. A lower DSR means better loan approval chances.

Tips to Improve Your DSR

  • Pay off existing high-interest debts (credit cards, personal loans)
  • Increase your monthly income through additional sources
  • Reduce monthly commitments before applying for new loans
  • Consider a longer loan tenure to reduce monthly payments
  • Make larger down payments to reduce loan amount

Disclaimer: This calculator provides estimates based on BNM guidelines. Actual loan approval depends on individual bank policies, credit scores, and other factors. Please consult with banks or financial advisors for personalized advice.