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DSR calculator Malaysia 2026

Check your debt-service ratio, colour band and monthly headroom before applying for a loan.

Simple planning formulaCommitments ÷ income × 100

RM2,000 of commitments on RM5,000 income is 40% DSR. Switch between gross and estimated net income below. Banks set their own limits; 70% is only a public planning reference.

Include loans and cardsGross or net viewNot bank approval
Your numbersLive
Use net income when you want a more conservative planning view. Deductions are estimates, not a bank payroll calculation.
CalculatingDSR
Current DSR
0%
Income base usedRM0
Estimated net incomeRM0
Headroom to 70%RM0
<45% Comfortable45–60% Review>60% Stretched

Logic updated 9 Aug 2026 · 70% is a planning reference, not a bank rule.

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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.