Debt service ratio calculator
See your debt commitments relative to your income.
Income & commitments
RM
RM
RM
%
DSR after the new instalment
35.0%
Current DSR22.5%
Headroom before the new instalmentRM 1,500.00
Within your selected scenario threshold.
This is a scenario, not a bank decision. Income and credit-card commitment rules vary by provider. Selected basis: net.
Mathematical estimates for comparison. Confirm the rate and convention in the provider’s PDS. BNM reference
What to know
DSR = total monthly debt commitments ÷ monthly income × 100. Choose gross or net income for your scenario. The example threshold of 60% is not universal and does not confirm approval.
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