PROPSBIT CALCULATOR
TDSR Calculator: How Much Can You Borrow?
TDSR caps your total monthly debt repayments, including the new property loan, at 55% of your gross monthly income. Someone earning S$8,000 a month with S$500 of other debts can service up to about S$3,900 a month, which is a loan of roughly S$738,865 at a 4% assessment rate over 25 years.
Rates and rules checked 3 November 2026. Free to use. No sign-up and nothing you enter is stored or sent.
How this calculator works
TDSR = total monthly debt obligations / gross monthly income x 100%. It must be 55% or lower for property loans from financial institutions.
For qualifying, banks use the higher of 4% a year (5% for non-residential property) or your actual interest rate. Variable income such as bonuses and commissions, and rental income, are generally counted at 70% (a 30% haircut). Debts include your property loans, car loans, student loans, credit card and other unsecured loans.
Frequently asked questions
What is TDSR?
The Total Debt Servicing Ratio is the share of your gross monthly income that goes to all debt repayments. MAS sets the limit at 55% for property loans.
What interest rate is used for TDSR?
Banks use the higher of the MAS medium-term rate floor (4% for residential property) or your actual rate when assessing TDSR.
Is bonus or rental income fully counted?
Generally not. Variable income and rental income are usually counted with at least a 30% haircut, so 70% of the amount.
What is the difference between TDSR and MSR?
TDSR covers all debts and applies to property loans from financial institutions. MSR applies to HDB flats and Executive Condominiums and limits the home loan instalment alone to 30% of income. See the MSR Calculator.
Can I still get a loan above my TDSR limit?
Financial institutions are not allowed to grant property loans that breach TDSR except in limited cases set by MAS. Speak to your lender.
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MSR Calculator
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Mortgage Calculator
Work out your monthly home loan repayment and total interest.
NEXT STEP
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Sources and method
Rules and rates were checked on 3 November 2026. They can change; confirm with the official source before you act.