Check Your Mortgage Affordability with our TDSR calculator

The MAS Total Debt Servicing Ratio (TDSR) caps your debt obligations at 55% of your income. Use our free calculator to instantly check your loan eligibility and ensure you meet these requirements.

TDSR Calculator

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Borrower & Income

?
i
SGD/Month
i
SGD/Year

Counted at 1/12 for TDSR (per MAS)

= Monthly Fixed + (Annual Variable ÷ 12)

$12,500

Total Debt Obligations

Include minimum card payments and existing loan instalments.

SGD/Month
SGD/Month
i
SGD/Month
Total Existing Monthly Debt:$1,670

Assets

Declare liquid funds and collateral that can strengthen your application.

i
SGD
SGD
SGD
SGD

New Loan (Proposed)

years
5 years35 years
?
4
%

TDSR uses stress rate to estimate your monthly instalment

$422.27/Month

Your TDSR Result

Based on your input details

16.7%

55%TDSR0%100%
Pass • Within MAS limit
Income (monthly, incl. variable ÷ 12)$12,500
Max allowed @55%$6,875
Existing debt$1,670.00
New loan (stressed EMI)$422.27
TDSR16.7%
Monthly headroom (vs 55% cap)$4,783
Loan capacity remaining$906,100

Estimated Max Loan under TDSR

$986,100

Based on EMI at 55% of income minus existing debt, stress rate 4%, tenure 25y.

Book Free Advice

For guidance only. MAS rules apply. Final approval by lender.

What if Scenario

SGD
SGD$100,000SGD$10,000,000
Years
5 Years35 Years
New EMI (stressed):$2,639.18
TDSR:34.5%

Why Should You Calculate

Your TDSR Before Applying?

Smart financial planning starts with understanding your commitments

Budget Planning

Helps you plan your monthly budget and ensure affordability

No Surprises

Avoids unexpected costs and helps you understand total interest

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