TDSR Calculator
See the maximum home loan you can borrow under Singapore's 55% Total Debt Servicing Ratio rule, stress-tested at the 4% residential floor rate.
1-Month Compounded SORA
1.0992%
as of 2026-06-04
3-Month Compounded SORA
1.0579%
as of 2026-06-04
Total gross income before tax and CPF. Variable or rental income is normally haircut 30% by banks.
Car loans, personal loans, credit-card instalments, student loans and any other mortgages.
Up to 30 years for HDB, 35 years for private property (lower limits may reduce LTV).
Maximum home loan
$816,899
Stress-tested at 4% p.a. over 30 years.
Max monthly repayment
$3,900
55% of income, less existing debt
TDSR debt ceiling
$4,400
55% of gross income
Current TDSR used
6.3%
Existing debt ÷ income
| Gross monthly income | $8,000 |
| TDSR ceiling (55% of income) | $4,400 |
| Less: existing monthly debt | −$500 |
| Available for loan repayment | $3,900 |
| Max loan (PV at 4% over 30 yr) | $816,899 |
Estimates only. Banks assess your actual income, apply income haircuts (e.g. 30% on variable/rental income), and impose LTV and minimum-cash-downpayment limits that further cap your loan. Verify with a lender before committing.
Understanding the Total Debt Servicing Ratio
The TDSR framework, introduced by the Monetary Authority of Singapore, limits the share of your income that can go towards repaying debt. Across all loans combined, your monthly repayments cannot exceed 55% of your gross monthly income. For a property loan, the bank sizes your repayment using a stress interest rate — currently 4% per year for residential property — rather than the lower rate you may actually pay.
How to use this calculator
Enter your gross monthly income, your existing monthly debt repayments and the loan tenure you want. The calculator works out the repayment headroom (55% of income less your existing debts) and converts it into a maximum loan amount. It also shows your current TDSR usage so you can see how much room is left before you hit the cap.
Remember that TDSR is only one of several limits. HDB flats and ECs also face a 30% Mortgage Servicing Ratio, and the loan-to-value rules cap how much you can borrow against the property value. To plan the full picture, pair this with our mortgage repayment and HDB or condo affordability calculators.
Frequently asked questions
What is the TDSR in Singapore?
The Total Debt Servicing Ratio (TDSR) is a MAS rule that caps your total monthly debt repayments — home loans, car loans, personal loans, credit-card instalments and any other borrowings — at 55% of your gross monthly income. Banks must apply it when assessing every property loan.
Why is my loan stress-tested at 4% instead of the actual interest rate?
When sizing a residential property loan under TDSR, banks must use a medium-term interest-rate floor — currently 4% per year for residential property — even if the actual rate you are offered is lower. This conservative “stress rate” protects you against future rate rises, so the maximum loan shown here is smaller than one priced at today’s rate.
How is the maximum loan calculated?
First we find the repayment headroom: 55% of your gross income minus your existing monthly debts. The maximum loan is the present value of that monthly repayment, treated as a level annuity over your chosen tenure at the 4% stress rate. Longer tenures allow a larger loan, but tenures over 30 years (25 for HDB) or that run past age 65 reduce the loan-to-value limit.
Does the TDSR include other debts besides my mortgage?
Yes. All your monthly debt obligations count towards the 55% ceiling, which is why existing car or personal loans shrink how much home loan you can take. Enter every recurring repayment so the result reflects what a bank would actually assess.