DSR Calculator Malaysia
Check your Debt Service Ratio before applying for a loan. Enter your gross income, existing commitments, and new repayment to instantly see your DSR, eligibility category, and remaining borrowing capacity.
Your Financial Details
Before EPF and tax deductions (gross salary)
Total of all current loan repayments (car, home, personal, PTPTN, credit cards)
Monthly repayment of the loan you are applying for. Use the Loan Calculator →
Enter your income and commitments, then tap Calculate DSR.
Not sure what your new repayment would be? Use the Loan Calculator first →
How Malaysian Banks Use DSR
DSR (Debt Service Ratio) is the single most important metric Malaysian banks use when assessing a loan application. While credit score, employment type, and collateral all matter, a DSR above the bank's threshold is usually an automatic disqualifier — regardless of other factors. Understanding your DSR before you apply gives you the power to improve it first.
| DSR Range | Category | Bank Stance |
|---|---|---|
| ≤ 40% | Excellent | Very likely approved. Strong position for negotiating better rates. |
| 41% – 60% | Good | Acceptable to most Malaysian banks for personal, car, and home loans. |
| 61% – 70% | Moderate | Borderline. Some banks allow up to 70% for incomes above RM10,000/month. |
| > 70% | High Risk | Most banks will decline. Focus on reducing existing commitments first. |
Credit Cards Count
Banks count 5% of your total credit limit per card as a monthly commitment — even if you never carry a balance. Cancel cards you don't use before applying.
PTPTN Included
PTPTN loan repayments are factored into your DSR. If you are still repaying PTPTN, this reduces the new loan you can qualify for.
Joint Applications
Applying jointly with a spouse or co-borrower combines both incomes, which can significantly lower your combined DSR and improve approval chances.
Tips to Improve Your DSR
If your DSR is Moderate or High Risk, these steps can help bring it below 60% before you apply.
Settle the smallest loans first
Eliminating a small personal loan completely removes its monthly repayment from your DSR, which is more impactful than making partial payments on multiple debts.
Cancel unused credit cards
Banks count 5% of your credit limit per card regardless of usage. Cancelling a card with a RM10,000 limit removes RM500 from your monthly commitments in the bank's DSR calculation.
Refinance to a longer tenure
Refinancing existing loans to a longer tenure lowers the monthly repayment — reducing your DSR. You will pay more interest overall, but it improves your approval odds for the new loan.
Include all income sources
If you have verified rental income, commission, or allowances, ensure your bank receives documentation. A higher verified gross income directly lowers your DSR percentage.
Apply for a smaller loan
Reducing the loan amount or extending the tenure of the new loan lowers its monthly repayment, bringing your total DSR back into the acceptable range.
Consider a joint application
Adding a co-borrower with income and low existing commitments combines household income and can substantially reduce the joint DSR, improving approval likelihood.
What Counts as Monthly Commitments?
Use these to build your "Existing Monthly Commitments" figure above.
| Commitment Type | How to Find the Amount |
|---|---|
| Home loan / mortgage | Monthly instalment from your bank statement |
| Car loan / hire purchase | Monthly instalment from your bank statement |
| Personal loan | Monthly repayment amount |
| PTPTN | Graduated monthly repayment or salary deduction amount |
| Credit card | 5% of credit limit per card (not balance) |
| Other hire purchase | e.g. motorcycle, furniture, gadgets |
Related Calculators
Loan Calculator →
Get your estimated monthly repayment for a new loan — use that figure as your new repayment input above.
Salary Calculator →
See your gross and net take-home pay including EPF, SOCSO, and PCB deductions.
Income Tax Calculator →
Calculate your annual income tax payable and effective tax rate for YA 2024.
Frequently Asked Questions
Disclaimer: This calculator and article are provided for educational and informational purposes only. Results are estimates and should not be considered financial, tax, legal, or investment advice. Please consult the relevant authority, financial institution, or qualified professional before making financial decisions.