DSR calculator Malaysia 2026
Check your debt-service ratio, colour band and monthly headroom before applying for a loan.
How do you calculate DSR in Malaysia? DSR means debt-service ratio: your total monthly debt commitments divided by your gross monthly income, multiplied by 100. If you earn RM5,000 and already pay RM2,000 in car loans, cards and other monthly commitments, your DSR is 40%. Banks use this ratio to judge whether you have enough room for another repayment. The exact limit depends on the bank, employment type, income level and product, but a simple planning ceiling is 70% for a quick public estimate. This calculator shows your current DSR, whether the number is comfortable, watch-list or stretched, and how much extra monthly repayment you could roughly take before hitting 70%. It does not approve a loan or replace a bank check; it simply tells you whether your case starts with enough monthly room.
Q.What DSR is good in Malaysia?
Below 45% is usually a comfortable planning range. Higher can still pass for some cases.
Q.Does every bank use 70%?
No. This calculator uses 70% as a simple headroom reference, not a bank rule.
Q.Should I include credit cards?
Yes. Include monthly repayments and any recurring loan or credit commitment.