See your Debt Service Ratio the way banks calculate it.
Your Debt Service Ratio (DSR) compares your monthly commitments to your monthly income — it’s one of the first things a bank checks. Enter your income and existing commitments to see where you stand before you apply.
This calculator provides estimates for general information only. Actual legal fees, stamp duties, financing costs and applicable taxes may differ. Please obtain professional advice and an official quotation before proceeding.
What This Result Means
Your DSR shows what percentage of your monthly income is already committed to debt repayments. Most banks look for a DSR within a specific threshold before approving new financing — the lower your DSR, the more room you generally have. If your result is close to or above a typical bank threshold, it’s worth discussing with an advisor before applying, rather than after a rejection.
This calculator provides an estimate for general information only. Actual figures may differ. Please obtain professional advice before proceeding.