TDSR / MSR Affordability Calculator
See how much you can borrow under Singapore's TDSR (55%) and MSR (30%) limits — enter your income, debts, interest rate and tenure.
Based on TDSR (55.00000000000001% of gross income for all debt). The loan estimate uses a standard repayment formula at the rate and tenure you entered. Actual approval depends on the bank's stress-test rate, LTV limits, age and other factors.
Estimates only, for general guidance. Rates current as of July 2025 (latest BSD/ABSD/SSD revisions) and may change with government measures — always confirm against IRAS / MAS before relying on a figure.
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TDSR (Total Debt Servicing Ratio) caps your total monthly debt repayments — home loan, car loan, credit cards and more — at 55% of your gross monthly income. MSR (Mortgage Servicing Ratio) applies only to HDB flats and Executive Condominiums and limits the housing loan repayment to 30% of gross monthly income; where both apply, the lower cap governs. Banks also assess loans against a stress-test interest rate, so the amount you actually qualify for may be lower than this estimate.
📚 Go deeper for the RES exam: Financing: LTV, TDSR & MSR explained.
Frequently asked questions
What is TDSR?
The Total Debt Servicing Ratio (TDSR) caps your total monthly debt repayments — home loan, car loan, credit cards and more — at 55% of your gross monthly income. It applies to all property loans.
What is MSR?
The Mortgage Servicing Ratio (MSR) limits your housing-loan repayment to 30% of gross monthly income. It applies only to HDB flats and Executive Condominiums, on top of TDSR.
What is the difference between TDSR and MSR?
TDSR (55%, all debts) applies to every property loan; MSR (30%, housing loan only) applies additionally to HDB and ECs. Where both apply, the tighter cap governs how much you can borrow.
How much home loan can I afford in Singapore?
It depends on your gross income, existing debts, loan tenure and interest rate. Enter these in the calculator for an estimate of your maximum monthly repayment and loan — banks also apply a stress-test rate, so your approved amount may be lower.