TDSR Calculator Singapore
Check your Total Debt Servicing Ratio (TDSR) against the MAS 55% limit. Find out your maximum home loan based on your income and existing monthly debts.
Your Details
Car loan, personal loan, credit cards (5% of balance/mo)
Estimated repayment for the new home/property loan
Credit card tip: Banks count 5% of your total credit card outstanding balance as monthly debt. E.g., S$10,000 balance = S$500/month in TDSR.
What is TDSR in Singapore?
The Total Debt Servicing Ratio (TDSR) is a framework introduced by the Monetary Authority of Singapore (MAS) in June 2013 to promote responsible borrowing and prevent overleveraging. Under TDSR rules, your total monthly debt obligations — including the new loan you are applying for — must not exceed 55% of your gross monthly income.
TDSR applies to all property loans in Singapore: home loans for private properties, HDB bank loans, commercial property loans, and refinancing. It is one of the key eligibility checks banks perform when assessing your loan application.
For HDB flat buyers, there is an additional Mortgage Servicing Ratio (MSR) limit of 30% — meaning your HDB loan repayment alone cannot exceed 30% of gross income. The MSR is typically the binding constraint for HDB purchases.
How is TDSR Calculated?
Monthly debt repayments include: home loan, HDB loan, car loan, personal loan, student loan, renovation loan, and credit card minimum payments (counted at 5% of outstanding balance per month).
How to Improve Your TDSR
If your TDSR exceeds 55%, consider these strategies before applying for your home loan:
- Pay down existing debts — Clear personal loans, car loans, or credit card balances before applying
- Close unused credit cards — Even zero-balance cards contribute to TDSR limits in some cases
- Add a co-borrower — Apply jointly with your spouse to combine gross incomes
- Choose longer tenure — A 30-year loan has lower monthly payments than a 25-year loan, improving TDSR
- Borrow less — Reduce your loan quantum to lower monthly repayments