TDSR · Singapore
TDSR calculator
The Total Debt Servicing Ratio (TDSR) limits all your monthly debt repayments to 55% of gross monthly income. This calculator applies TDSR — alongside MSR and LTV — to show the largest home loan you actually qualify for, for an HDB, EC, or private purchase.
How TDSR is calculated
TDSR = total monthly debt obligations ÷ gross monthly income, and it must not exceed 55%.
'Total debt' means the new home-loan installment plus every other monthly commitment: car loans, personal and study loans, and credit-card minimum payments.
The home-loan portion is computed at a 4% medium-term interest-rate floor — not your actual package rate — so the test is deliberately conservative.
What counts as income (and the haircut)
Fixed salary counts in full. Variable income — bonuses, commissions, allowances, and rental — is recognised at only 70% (a 30% haircut) when computing TDSR.
For joint applications, both applicants' recognised incomes are combined.
TDSR vs MSR
TDSR (55%) applies to all residential property loans. MSR (30%) is an extra, tighter limit that applies only to HDB flats and new ECs and looks at the home loan alone.
For HDB/EC buyers, MSR is usually the binding constraint; for private property, only TDSR applies — which is why you can often borrow more for a private home at the same income.
Frequently asked
What is the TDSR limit in Singapore?
55% of gross monthly income, across all your debts combined. It has applied since the 2021 revision and is stress-tested at a 4% interest-rate floor.
What debts are included in TDSR?
The new home-loan installment plus car loans, personal loans, study loans, and credit-card minimum payments — essentially all recurring monthly debt obligations.
Does TDSR use my actual interest rate?
No. The home-loan installment for TDSR is computed at a 4% medium-term rate floor. Your real (lower) rate only affects the installment you actually pay.
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Check your TDSR & max loan →Estimates only — not financial advice. Final figures depend on the bank’s assessment. Rules current as of 2026-06-10.