Calculator

TDSR Affordability Calculator

Find your maximum loan and indicative property price under the 55% Total Debt Servicing Ratio rule.

Your inputs

Owner 1 Monthly salary

Existing monthly debt

Car loan, education, personal, credit cards, other mortgages.

Age

years

Owner 2 (optional) Monthly salary

Existing monthly debt

Car loan, education, personal, credit cards, other mortgages.

Age

years

Leave salary at 0 if there is only one borrower.

Total Debt Servicing Ratio Threshold

MAS caps TDSR at 55% of gross monthly income for residential property loans.

Medium-Term Interest Rate

MAS sets the medium-term floor at 4.0% for residential property loan TDSR computation.

Loan Tenure Cap

years

Up to 35 years for private property; 30 years for HDB bank loan; 25 years for HDB concessionary.

Assumed LTV

Results

Indicative max property price

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

What is TDSR?

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.

Why is the average age income-weighted?

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.

Why a 4% medium-term interest rate?

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.

How does variable income work?

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.

What counts as 'existing monthly debt'?

Car loan instalments, personal loans, education loans, renovation loans, other property loans, and credit cards.

What if I only have one borrower?

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.

Is TDSR the only test for HDB or Executive Condominium?

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.

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