DSR calculator
Debt service ratio from income, existing commitments, and your new loan instalment. Under 50% is a safer band; 50–70% moderate; above 70% stretched.
Your inputs
Gross income and monthly loan instalments (existing plus new home loan).
Results
- DSR46.3%
- Interpretation bandSafe (<50%)
- Total monthly commitmentsRM 3,700
At 46.3%, you sit in the safe zone (under 50%): debt takes a smaller share of income, which many households find manageable — lenders still apply their own rules. Total commitments RM 3,700 versus gross income RM 8,000.
Illustrative bands only — each bank sets its own DSR limits, income definition, and haircuts.
Continue planning
Follow a guided flow between calculators. When you use the links below, we pass your numbers in the URL so the next page starts closer to where you left off.
Suggested next steps
All tools
- Loan calculatorMonthly instalment and total interest on a fixed-rate amortising loan.
- DSR calculatorDebt service ratio from income and monthly loan commitments.You are here
- Affordability calculatorRough max loan from income, DSR cap, and existing obligations.
- Stamp duty calculatorIllustrative Malaysia transfer duty tiers on purchase price.
- Total cost calculatorCash needed upfront: down payment, stamp duty, legal, and fees.
- Browse listingsSearch Johor properties by budget and filters.
Based on your calculation:You can afford RM 439,885–RM 559,853 properties
Next steps
Open listings in this band or use Get My Property Plan with your estimated budget.
Tips
- DSR (debt service ratio) = total monthly loan instalments ÷ gross monthly income × 100%.
- Include existing commitments plus the new home loan instalment you are modelling.
- This page uses simple bands: under 50% as safer headroom, 50–70% as moderate, above 70% as stretched — banks apply their own caps.
Local insight (Malaysia)
- Malaysian lenders often screen in a ~60–70% DSR range, but policies differ by customer segment and income proof.
- Singapore-dollar earners should confirm FX haircuts and how bonuses are counted.
- Use Get My Property Plan after DSR planning to align commute and listing filters with what you can carry.
Need help understanding this?
Your advisor
Amo Chok
OUR Team Leader
Johor Bahru residential · RTS commute fit · First-time buyers & investors