Maximum TDSR
55%
Tool
TDSR Calculator Singapore
Check whether your income and debts qualify for a home loan under MAS rules.
Last updated: 14 March 2026
Calculator Inputs
Your TDSR
0.00%
Awaiting input
Estimated monthly mortgage repayment: S$0
Estimated loan size supported: S$0
What TDSR Means
TDSR stands for Total Debt Servicing Ratio.
MAS rules generally require a maximum TDSR of 55%.
Max allowed total debt
S$0
This means total monthly debt payments cannot exceed 55% of your income.
TDSR vs MSR
| Rule | Applies To | Limit |
|---|---|---|
| TDSR | All property loans | 55% |
| MSR | HDB and EC purchases | 30% |
Example Scenario
Monthly income
S$8,000
Other debts
S$1,000
Maximum allowed total debt
S$4,400
If mortgage payment is
S$3,000
Total debt
S$4,000
TDSR
50%
That sits within the MAS limit.
Why TDSR Matters
Loan approval
Banks must comply with MAS TDSR rules.
Interest rate stress testing
Banks assess affordability under higher rates.
Debt management
Existing debts reduce borrowing capacity.
What To Do If TDSR Is Too High
Reduce loan size
A smaller mortgage lowers the monthly instalment.
Increase downpayment
Less borrowing can improve the ratio quickly.
Reduce other debts
Paying down liabilities improves TDSR headroom.
Extend loan tenure
Longer tenure may reduce the monthly repayment.
Asset pledge
Pledging eligible assets may improve the assessed position in some cases.
Asset unpledge
Some structures allow partial support through unpledged eligible assets.
These methods are case-specific and depend on bank policy, asset type, and documentation.
Next Steps
FAQ
What is the TDSR limit in Singapore?
MAS generally sets a maximum TDSR of 55%.
Does TDSR include credit cards and car loans?
Yes. TDSR includes most monthly debt obligations such as credit cards, car loans, and personal loans.
Is TDSR used for refinancing?
Yes. Banks usually apply TDSR rules when assessing refinancing.