DSR Calculator
Your Debt Service Ratio is the percentage of your monthly income that goes towards debt repayments. Banks use it to decide whether you can afford a new loan — but they do not all divide by the same income figure, so enter both and you will see both answers.
Your total salary before EPF, SOCSO, and tax deductions.
Your take-home pay after EPF, SOCSO, EIS and PCB. Bank Negara Malaysia requires banks to assess affordability on this figure, but each bank defines its own DSR formula and some divide by gross instead. Enter it to see both ratios.
How banks use your DSR
- Below 50%: Rarely the reason an application fails. Comfortable for all loan types.
- 50% to 60%: Generally fine for secured loans (home, car). Harder for unsecured lending.
- 60% to 70%: Expect stricter scrutiny, a smaller offer, or a request to clear commitments first.
- Above 70%: Usually the level at which an excessive DSR is itself the reason for a decline. For unsecured lending the practical ceiling is lower still.
These bands are widely-repeated rules of thumb, useful for knowing roughly when to worry. They are not policy: Bank Negara Malaysia prescribes no DSR cap, and no Malaysian bank publishes its own.
Credit card minimum payment is additive under BNM's Credit Card policy document: at least 5% of the total amount outstanding, plus the full monthly instalment of any easy payment plan, balance transfer plan or Automatic Balance Conversion. Most banks also apply a floor of around RM50 — that floor is a bank practice, not a BNM rule. Banks use this minimum figure (not your full balance) when calculating your DSR, even if you pay more each month.
DSR = (Total monthly debt payments / Monthly income) x 100. This calculator provides an estimate. Bank Negara Malaysia prescribes no DSR cap and does not define the income basis — each bank sets its own threshold, decides whether to divide by gross or by income after statutory deductions, and may include or exclude specific commitments differently. None publish these rules. Always check with your bank before applying.
Related guides
- Debt Service Ratio Explained — the full mechanics: what counts, what doesn't, gross vs net income, and how to lower it before you apply.
- Gig Worker Loan Guide — how banks adjust DSR for variable income, which lenders are friendliest, and how to document earnings.
- Does BNPL Affect Your Credit Score? — BNPL is now on CCRIS, so multiple active lines count toward your DSR when you apply for a bank loan.