Total Debt Servicing Ratio (TDSR) Calculator

TDSR limits all monthly debt repayments to 55% of gross monthly income when you take a property loan.

Result

Total debt allowed (55%)
S$6,600.00
Room left for a new mortgage
S$5,800.00
Current TDSR
6.67%

How to use the total debt servicing ratio (tdsr) calculator

  1. Enter the gross monthly income (S$).
  2. Enter the existing monthly debt payments (S$).
  3. The results update as you type, or press Calculate.
  4. Read the total debt allowed (55%) first, then the supporting figures below it.

Formula

Room for new loan = 55% × income − existing monthly debts.

Worked example

For example, with these inputs:

the calculator returns:

Background

Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.

Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.

Frequently asked questions

How does the total debt servicing ratio (tdsr) calculator work?

It applies this formula: Room for new loan = 55% × income − existing monthly debts.

Should I rely on this before signing?

Use it to plan, then confirm the figures with your banker, lawyer or the IRAS stamp duty calculator before you exercise an option to purchase.

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