01
55% considers all your debts.
Your proposed mortgage, car loan, personal loans and assessed card repayments share one TDSR allowance. Reducing existing debts can create more room for your home loan.
Singapore / Total Debt Servicing Ratio
TDSR Calculator
A home you love. A loan you can carry.
Go beyond a monthly instalment. See how your income, existing debts and the bank’s assessment rate shape your home loan eligibility.
Calculate TDSRFree to use. No sign-up.
The informed home buyer- 55%
- Total debt servicing limit
- 30%
- MSR for HDB & new EC
- 4%
- Residential assessment floor
MAS framework · Bank property loans
Make it yours
Find your comfortable starting point.
Your income and commitments. A clearer borrowing picture.
Your financial picture
Gross salary and fixed allowances, before CPF deductions.
We recognise 70% of the monthly equivalent.
Include car loans, personal loans, other mortgages and bank-assessed credit card repayments.
Banks assess affordability at a 4% stress-test rate. Longer tenures can reduce your LTV limit. Age and bank rules may shorten your eligible term.
See whether a specific loan fits within the ratio limits. Clear to focus on your ceiling.
Your inputs stay in this browser session.
Your estimated borrowing ceiling
$834,703
Income-based estimate · TDSR is the tighter limit
- Room for monthly mortgage
- $3,985
- Assessment rate / tenure
- 4% / 30 years
- Recognised monthly income
- $8,700
Not a loan approval. Your property value, LTV limit, age, credit profile and bank policy can reduce this amount.
Make room for life, too.
Monthly allocation with your proposed loan, at the assessment rate. The lending limit isn't a spending target.
- Existing debt
- $800
- Mortgage
- $3,581
- Remaining
- $4,319
Remaining income is before CPF deductions, income tax, insurance and everyday expenses. Keep a cash buffer beyond the bank's minimum.
Your proposed $750,000 loan
Within the ratio limits.
TDSR / 55% limit50.4%
For standard bank purchase-loan assessment. MSR assumes no other housing-loan instalments count towards that limit. HDB concessionary loans, refinancing exemptions, pledged assets and more complex income profiles require a separate assessment.
Follow the money
From payslip to possibility.
Example: $8,000 fixed monthly salary, $12,000 annual bonus, $800 monthly car loan.
- Step 01
$8,700
Recognised monthly income
$8,000 salary + $700 recognised bonus
- Step 02
$4,785
55% total debt allowance
All monthly debt repayments combined
- Step 03
$3,985
Room for your mortgage
$4,785 less the $800 car repayment
For an HDB / new EC bank loan, the 30% MSR ceiling of $2,610 would be tighter in this example, assuming no other housing instalments.
Beyond the calculator
Two limits. One responsible loan.
A bank checks more than whether you can make this month’s payment.
02
30% adds a housing-only check.
For HDB flats and ECs bought from developers, the MSR limits housing-loan repayments to 30% of recognised gross income. For bank loans, the tighter of MSR and TDSR determines capacity.
03
4% is a floor, not your offer rate.
Banks assess affordability at a 4% stress-test rate. This buffer tests affordability if rates rise; it is not a quoted mortgage package.
For planning, not financial or tax advice. Figures are estimates; verify your eligibility and the applicable rules before committing to a purchase.
Read the MAS guidanceEligibility is a ceiling. Comfort is personal.
Passing a TDSR check is only one part of a bank's assessment. Your down payment, property valuation, existing housing loans, age and credit history also affect the amount a bank can lend. Before committing, obtain an in-principle approval and budget for insurance, maintenance and unexpected expenses.
Why the stress rate matters
Your introductory mortgage rate may be lower than the assessment rate. Banks assess affordability at a 4% stress-test rate. That's why your estimated loan ceiling may be lower than an instalment calculation at the promotional rate suggests. To compare payments at your offered rate, use the instalment calculator.
HDB buyers
For HDB flats the 30% MSR usually binds first. The HDB loan calculator compares an HDB loan with a bank loan, and the full mortgage loan calculator handles multiple borrowers, pledging and unpledging of funds.
Good to know
Frequently asked questions
Free consult
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Bring these results to a 15-minute call. We'll confirm your eligibility and shortlist the sharpest bank packages for your situation — no obligation.
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