TDSR Calculator
See the maximum home loan your income can support under Singapore's Total Debt Servicing Ratio (TDSR) rule.
Total income before CPF and tax. Include fixed allowances; banks haircut variable income.
Car loans, personal loans, other mortgages, plus about 3% of credit-card balances.
Usually 25–30 years. A longer tenure raises the loan you can service (5–35 yrs).
The loan is solved at MAS's 4% medium-term stress rate, not today's actual rate — so the figure stays conservative, like the bank's.
Maximum home loan you can service
$1,041,989
- Monthly repayment headroom
- $5,500/mo
- TDSR cap
- 55%
How TDSR is calculated
- TDSR caps your TOTAL monthly debt — this mortgage plus car loans, personal loans, credit-card minimums and any other mortgages — at 55% of your gross monthly income.
- Banks compute it at MAS's 4% medium-term stress interest rate, not today's rate, so your loan stays affordable if rates rise.
- More existing debt means less borrowing power — paying down other loans before you apply raises your TDSR headroom.
- TDSR applies to loans for all property types: HDB, EC, condo and landed.
Estimate only — not a bank assessment or financial advice. Your actual loan depends on the bank's credit assessment, income recognition, and prevailing MAS rules.
Open the full affordability calculator