Use this TDSR Calculator to assess your current monthly financing limit, which will determine your maximum property loan quantum.
The Total Debt Servicing Ratio (TDSR) is a framework introduced by the Monetary Authority of Singapore (MAS) to prevent over-indebtedness. Under TDSR rules, your total monthly debt obligations - including housing loans, car loans, credit cards, and personal loans - must not exceed 55% of your gross monthly income.
Total Debt Servicing Ratio (TDSR) Calculator
Calculate your maximum borrowing eligibility based on Singapore's Total Debt Servicing Ratio (TDSR) framework. Under current regulations, your total monthly debt obligations cannot exceed the designated TDSR limit of your gross monthly income.
*Note: This calculation follows structural guidelines where total combined monthly obligations (including credit cards, vehicle loans, and your new housing obligations) cannot exceed 55% of eligible calculated monthly gross incomes.
How to Use the TDSR Calculator
- Set the TDSR Limit: 55% (currently)
- Enter Your Application Status: Either Single or Joint.
- Enter Monthly Income: Input fixed monthly salary plus variable components (subject to a 30% haircut).
- Enter Existing Monthly Debts:
- Car loan instalments
- Personal loan repayments.
- Credit card minimum/unpaid balances.
- Other property loan commitments.
- Calculate: Receive an instant figure for your maximum allowed monthly instalment.
How TDSR is Calculated
(TOTAL MONTHLY DEBT OBLIGATIONS / GROSS MONTHLY INCOME) x 100% ≤ 55%
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Total Monthly Debt Obligations Include: New home loan repayment + existing property loans + car loans + study loans + personal loans + minimum monthly credit card commitments.
Want a Deep Dive into Home Loan Structuring?
For details on how banks evaluate financial assets, pledged deposits, and credit score impacts on home loans, check out our loan resources below:
- How to Choose a Home Loan in Singapore.
- Understanding Singapore Property Financing Options & Policies.
Other Mortgage Financing Calculators
Besides the TDSR Calculator, check out our suite of home loan calculators below to help you with your budgeting and affordability assessment:
Property Resources & Market Guides
Meanwhile, below are some property resources and guides that you may find useful:
- Property Investment Guides.
- Private Property Guides.
- HDB Guides.
- Executive Condo Guides.
- Property Marketing.
- Property Regulations.
- Property Finance & Costs.
- Property Hotspots.