How it's calculated
DSR = total monthly commitments ÷ monthly income × 100. Most banks cap it around 60–70%.
DSR Calculator Malaysia
Calculate your debt service ratio, the share of income that goes to loan repayments.
Rates basis: Estimate
Your finances
Debt service ratio
39.63%
RM 3,046.20 left after commitments
Debt service ratio: 39.63%
- Income remaining
- RM 3,046.20
- Lender view
- Within range
Worked on RM 5,046.20 net income, which is how banks measure it. Most cap DSR around 60–70%, and lower for smaller incomes. A lower ratio improves your approval odds.
Example scenarios
RM6,000 income, RM2,400 commitments
A healthy ratio — most banks lend comfortably below 60–70% DSR.
40% DSR
RM4,000 income, RM2,800 commitments
Near many banks' ceiling; a new loan may be hard to approve.
70% DSR
Understanding the numbers
How the figures above are worked out — the rules, rates and reasoning behind every line.
Estimates only. Results are for planning purposes and may differ from official figures. Confirm against the relevant authority before making financial decisions.
What banks look at
Your debt service ratio (DSR) is how much of your income already goes to debt. Banks use it to decide how much more you can borrow.
Frequently asked questions
What is a good DSR?
Lower is better. Many banks approve loans when total commitments stay below about 60–70% of your income.
Formula governance
- Formula version
- 2026.1
- Effective date
- 1 Jan 2026
- Government source
- Bank Negara Malaysia (indicative rates)
- Last updated
- 3 Oct 2026