Back to calculator

Malaysia DSR Calculator

Estimate DSR using multiple income and commitment lines, including optional joint applicant totals.

Saved Scenarios

Main Applicant

Main applicant total income (DSR)
RM 7,000.00
Main applicant total existing commitments
RM 1,800.00

New Commitment

New commitment used in DSR: RM 2,154.29

DSR Summary

Total Monthly Income
RM 7,000.00
Total Existing Commitments
RM 1,800.00
Current DSR
25.71%
Projected DSR
56.49%
Target DSR
80.00%
Status
Within target

Affordability Estimate

Max debt allowed at target DSRRM 5,600.00
Available monthly headroomRM 3,800.00
Indicative max loan from headroom (35y, 3.8%)RM 881,959.66
Indicative loan for new commitmentRM 500,000.00
SponsoredStark Phase 2 luxury condo advertisement in Bayan Lepas

This is an estimate only. Bank DSR policy varies by institution and may include stress-rate pricing, CCRIS/CTOS profile, employment type, and other internal risk rules. New commitment auto-calculation uses fixed assumptions of 35 years and 3.8% interest.