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 April 2023 (BSD/ABSD 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.