DSR Calculator
Calculate your Debt Service Ratio to understand your borrowing capacity. Most Malaysian banks require DSR below 60-70%.
Use net income after EPF/SOCSO. Results are estimates for guidance only.
Aim for 50% or lower to improve approval odds.
See your risk tier and recommended next steps.
Free tool with no login required.
Your take-home pay after deductions (EPF, SOCSO, tax)
All your monthly loan payments combined
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Enter your income and debts to calculate your DSR
?What is DSR?
Debt Service Ratio (DSR) is the percentage of your monthly income that goes towards debt payments. Banks use this metric to assess your ability to repay loans and determine your credit worthiness.
=Formula
DSR = (Total Monthly Debt ÷ Monthly Income) × 100DSR Guidelines
- Below 30%: Excellent - Best rates available
- 30-40%: Good - Most banks approve
- 40-50%: Moderate - Some restrictions
- 50-70%: High - Limited options
- Above 70%: Critical - Most banks reject
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What DSR is considered safe?
Most Malaysian banks prefer DSR below 60-70%, with stronger approvals below 50%.
Should I use gross or net income?
Use net income after EPF/SOCSO for a more accurate DSR estimate.
Does DSR include PTPTN?
Yes, PTPTN and other fixed monthly commitments should be included.