TDSR Calculator: Check Your Monthly Total Debt Servicing Ratio

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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.

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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.

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How to Use the TDSR Calculator

  1. Set the TDSR Limit: 55% (currently)
  2. Enter Your Application Status: Either Single or Joint.
  3. Enter Monthly Income: Input fixed monthly salary plus variable components (subject to a 30% haircut).
  4. Enter Existing Monthly Debts:
    • Car loan instalments
    • Personal loan repayments.
    • Credit card minimum/unpaid balances.
    • Other property loan commitments.
  5. 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%

  • Total Monthly Debt Obligations Include: New home loan repayment + existing property loans + car loans + study loans + personal loans + minimum monthly credit card commitments.

 

Frequently Asked Questions (TDSR)

What is the current TDSR limit in Singapore?

The TDSR cap is set at 55% of the borrower's gross monthly income.

 

What is the Total Debt Servicing Ratio (TDSR) limit in Singapore?

Under the current Monetary Authority of Singapore (MAS) regulations, the Total Debt Servicing Ratio (TDSR) is capped at 55%. This means a borrower's total monthly debt obligations—including home loans, car loans, personal loans, and credit card balances—cannot exceed 55% of their gross monthly income.

 

What types of debt are included in the TDSR calculation?

The TDSR calculation considers all outstanding personal liabilities. This includes your prospective monthly housing mortgage instalment, plus existing commitments such as car retail loans, study loans, personal loans, equity loans, and minimum monthly repayments on all credit cards.

 

How does an investment property mortgage affect my TDSR?

If you are purchasing a secondary investment property, the prospective mortgage loan must be factored into your total monthly obligations. If you have existing rental income from another property, banks typically apply a 30% haircut to that revenue before adding it to your total gross monthly income for evaluation.

 

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:

 

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: