DSR Calculator


What Is DSR?

DSR is Debt Service Ratio

It is a comparison of your debt commitment to your income. In other words, how much of your income will be used to repay your loans.

DSR = Total debt commitments per month
Total income per month

Let’s use an example. Ahmad earns RM4,500 a month. He has a car loan that requires him to pay RM800 each month and a home loan that requires him to pay RM1,600 each month in mortgages. Using the formula above, Ahmad’s DSR is 53%.

Ahmad’s DSR = RM800 + RM1,600

= RM2,400

= 53%

Banks generally, will accept a DSR below 60% for all debt commitments you have. This means that if Ahmad wants to apply for a personal loan in the future, he cannot have additional monthly commitments beyond RM300, unless his earnings per month increases.

Note: The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary.

Disclaimer: We have made every effort to ensure the accuracy and correctness of the calculations, contents, information or data contained in this section. However, we do not represent or warrant the truth, accuracy, completeness and correctness of the same.

We accept NO LIABILITY for loss or damage suffered or incurred by you or your estate as a result of your reliance on the material above or howsoever arising from the use of the information or material presented herein. This page is intended for general awareness purposes only and should not amount to any form of advice.