DSR Calculator Malaysia

Calculate your Debt Service Ratio (DSR) to find out if banks will approve your next loan.

Calculate Your DSR

Enter your net income and all monthly commitments (CCRIS).

Net Monthly Income (RM)

Your salary after EPF, SOCSO, and Tax deductions.

Monthly Commitments (RM)

Housing Loans / Mortgages

Car Loans (Hire Purchase)

Personal Loans

Credit Cards (Total Outstanding Balance)

Enter total balance. We will calculate 5% as your monthly commitment.

PTPTN & Other Loans

Your Debt Service Ratio

Awaiting Calculation

Net Income: RM 0

Total Commitments: RM 0

Remaining Cash Flow: RM 0

Enter your details to see if you qualify for a new loan based on standard Malaysian bank DSR limits.

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How do Malaysian banks use DSR?

The Debt Service Ratio (DSR) is the ultimate metric used by Bank Negara Malaysia (BNM) regulated banks to approve or reject your loan application. It measures what percentage of your income is swallowed by debt.

Below 50%: Excellent. You have very healthy cash flow and will likely be approved for top-tier interest rates.
50% - 60%: Safe for most income brackets. This is the maximum threshold for individuals earning less than RM3,000 net per month.
60% - 80%: High Risk. Only high-income earners (usually net RM5,000 and above) are allowed to stretch their DSR to this level, primarily for home loans.
Above 80%: Over-leveraged. Most commercial banks will auto-reject your application. You may need to look into Debt Consolidation or apply with a guarantor.