Answer first

DSR expresses selected monthly debt commitments as a percentage of selected monthly income. Because definitions differ, both sides remain editable.

Editable planning tool

Debt service ratio estimate

Change the illustrative values. Nothing you enter is sent or stored; measurement records only the tool name and formula version.

Results will appear here after calculation.

Formula and assumptions

Formula ID: debt-service-ratio@1.1.0

Calculations use unrounded intermediate values. Ringgit and percentage outputs are rounded to two decimal places; break-even months are rounded up. A displayed monthly amount multiplied by tenure may therefore differ slightly from the displayed total.

  • Net monthly income is the user-entered planning amount.
  • All recurring debt commitments should be included.
  • Ringgit inputs accept no more than two decimal places.
  • The result is an educational ratio, not a lender approval rule.

How to decide

Formula: DSR = monthly commitments ÷ monthly income × 100. The result is a conversation aid, not a universal eligibility threshold.

A practical process

Enter income basis; list existing instalments; optionally add a proposed payment; show included items beside the result; never label the user approved.

Limits and next step

Lenders use different income, commitment and threshold rules. Check the linked primary source and its captured date before making a commitment.

Malaysian worked example

Show the working

Inputs

  • monthly income RM6,000
  • existing debts RM1,200
  • proposed payment RM800

Calculation

  1. commitments = RM2,000
  2. DSR = RM2,000 ÷ RM6,000 × 100

Reviewed resultSelected-input DSR is 33.33%.

Lenders use different income, commitment and threshold rules.

Verify

Sources and update record