The result shows projected DSR and the remaining monthly headroom.
Finance calculator
DSR and Loan Eligibility Calculator
Compare current monthly commitments with a proposed new payment using one clear DSR percentage.
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No account. Formula and assumptions are shown below.
Calculator inputs
DSR check details
Formula & disclaimer
DSR = Total Monthly Debt Commitments Γ· Monthly Income Used for DSR Γ 100
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 28 August 2026 Β· automated checks included
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Resultβ
Projection
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Formula & details
Calculation
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How to read this result
Three useful checks, kept deliberately short.
RM6,000 monthly income, RM1,200 existing commitments and a proposed RM900 payment: Add existing and proposed commitments Β· Divide RM2,100 by RM6,000 Β· Compare the 35% result with the selected limit.
Include recurring debt commitments consistently and do not treat the estimate as a loan offer.
Formula and assumptions
DSR = Total Monthly Debt Commitments Γ· Monthly Income Used for DSR Γ 100Banks may use different income definitions and internal limits, so the selected DSR is a planning assumption rather than an approval rule.
Keep in mind: This is a planning estimate; lender DSR definitions, limits and approval criteria differ.
Produced byCalcs at Hand Editorial Team
Last formula check28 August 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β