Calculator
TDSR Affordability Calculator
Find your maximum loan and indicative property price under the 55% Total Debt Servicing Ratio rule.
Your inputs
Results
Indicative max property price
$0
- Total gross monthly income
- $0
- Total monthly debt
- $0
- Allowable monthly debt service (TDSR cap)
- $0
- Max monthly instalment for new loan
- $0
- Income-weighted average age
- —
- Loan tenure used
- —
- Medium-Term Interest Rate
- —
- Affordable loan amount
- $0
If the max monthly instalment is zero or negative, existing debts already consume the full TDSR cap — clear or reduce them before applying for a housing loan.
- Results are indicative only and not a bank-approved quotation, IRAS assessment, or HDB confirmation.
- Interest rates, stamp-duty rates, LTV limits and CPF rules change. Verify the latest with MAS, IRAS, HDB and your lender before transacting.
- Consult a qualified mortgage broker, conveyancing lawyer, or accountant for advice specific to your situation.
- SellMyHouse.sg accepts no liability for decisions made on the basis of these calculations.
References
Last updated: 26 May 2026
FAQ
Frequently Asked Questions
Total Debt Servicing Ratio. Under MAS rules, a borrower's total monthly debt obligations (including the new property loan) cannot exceed 55% of gross monthly income. Introduced in 2013 to prevent over-leveraging.
Banks compute the loan tenure based on the income-weighted average age of all borrowers, then round it up to the next whole year. A higher-earning older borrower pulls the average age up more than a lower-earning younger one.
Banks must size the loan assuming a higher interest rate so the borrower can still repay if rates rise. MAS sets a 4.0% medium-term floor for residential property loans (as at the latest review). HDB concessionary loans use a separate 3% floor — see our MSR calculator.
MAS allows only 70% of variable income (bonus, commission, rental income, self-employed earnings) to count towards gross monthly income for TDSR. Adjust the salary figure manually if a large portion is variable.
Car loan instalments, personal loans, education loans, renovation loans, other property loans, and 3% × outstanding credit card balances (minimum payment proxy).
Leave Owner 2 salary at 0. The calculator will use Owner 1's age as the average age and only their salary and debt as the basis for TDSR.
No — HDB and ECs are also subject to the Mortgage Servicing Ratio (MSR) cap of 30% of gross monthly income. The lower of the two limits applies. Use our MSR calculator to check.
No. Banks also assess credit bureau history, employment stability, age, citizenship, valuation report, and their internal underwriting. An in-principle approval (IPA) is the only reliable confirmation.
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