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DSR Calculator

Check your Debt Service Ratio before applying for a loan. See if banks will approve you and how much you can borrow.

Your Financial Details

Monthly Income

Gross Monthly Salary RM 5,000

Other Income (rental, bonus) RM 0

Existing Monthly Commitments

Car Loan RM 0

Personal Loan RM 0

PTPTN RM 0

Credit Card (min. payment) RM 0

Other Commitments RM 0

New Loan You Want to Apply For

New Loan Monthly Instalment RM 0

DSR After New Loan 0% Enter your details

Current DSR 0% Before new loan

Total Income RM 0 Gross monthly

Total Commitments RM 0 Including new loan

DSR Approval Meter

0% 30% 60% 70% 100%

Enter your details to see approval status

Commitment Breakdown

Item	Monthly Amount
Enter your details above

Maximum additional monthly instalment you can take on:

RM 0

Based on 70% DSR limit

What is DSR and Why Does It Matter?

DSR (Debt Service Ratio) is the percentage of your gross monthly income that goes towards paying all debt instalments. Malaysian banks use this to assess your loan repayment ability before approving any financing.

Formula: DSR = (Total Monthly Debt ÷ Gross Monthly Income) × 100

DSR Range	Bank Decision
Below 30%	Excellent — very easy approval
30% to 60%	Good — most banks will approve
60% to 70%	Borderline — depends on income level
Above 70%	High risk — most banks will reject

Note: DSR limits vary by bank and income level. High income earners above RM10,000/month may qualify for higher DSR limits up to 80% at some banks. Always check directly with your bank before applying.