DSR Calculator Malaysia
Check the Debt Service Ratio (DSR) across all monthly commitments, test a new commitment, and get a client-ready pre-qualification signal.
Banks assess on net income.
Monthly commitments
New loan instalment or insurance/takaful premium.
Pre-qualification
Likely within typical bank DSR limits
Current DSR
0%
Typical limit 65%
- Net monthly income
- RM 4,415.35
- Total monthly commitments
- RM 0.00
- Current DSR
- 0%
- Typical DSR limit
- 65%
- Monthly headroom
- RM 2,869.98
- Indicative extra loan capacity
- RM 586,887
Assumptions
- DSR = total monthly commitments / net monthly income.
- Typical DSR limit uses a BNM-aligned band by net income; individual banks apply their own policy.
- Extra loan capacity is indicative only, assuming 4.2% p.a. over 30 years.
- Net income is estimated from gross by deducting EPF, SOCSO and EIS when net is not provided.
- This is an estimate for pre-qualification, not a bank approval or financial advice.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-07-23 · Result type: user-input estimate
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What is DSR?
The Debt Service Ratio (DSR) is the percentage of your net monthly income used to service debt commitments such as car, home, personal loans and credit cards. Banks use DSR to assess repayment capacity before approving a new loan.
Each bank sets its own DSR limit (often around 60%–75% depending on income). This calculator gives a pre-qualification estimate only — it is not a bank approval or financial advice.