TDSR / MSR Calculator (Singapore, 2026)

Max housing instalment · Max loan amount · Debt-aware · Last updated: 2026-02-27

What this is for: estimate your maximum housing loan under the two common borrowing gates:

TDSR: total monthly debt obligations (including this housing loan) capped as % of gross monthly income.
MSR: housing instalment alone capped as % of gross monthly income (commonly relevant for HDB / new EC style cases).

This is a planning calculator. Banks may apply additional haircuts, floor rates, age/tenure caps, and internal policies. If you want the mental model first: TDSR & MSR explained.

Inputs

Gross monthly household income (S$)

Use gross income (before CPF). If you have variable income, be conservative.

Other monthly debt obligations (S$)

Car loan, credit cards, personal loans, other mortgages, etc.

Assumed interest rate (% p.a.)

Stress-test with a higher rate. Then check repayment details in the amortization calculator.

Loan tenure (years)

Shorter tenure reduces max loan even if ratios pass.

TDSR cap (%)

Adjust if rules change or your bank uses a tighter internal cap.

MSR cap (%)

Set to 0 if MSR does not apply to your case.

Results

Enter inputs and click Calculate.

How to use this (without fooling yourself)

Ratios are necessary, not sufficient. Passing TDSR/MSR doesn’t mean the purchase is smart — it just means it might be allowable.
Stress-test interest rates. If your plan breaks at +1% p.a., it’s fragile.
Convert max instalment into exposure math. Use property affordability to see runway and buffers, and amortization to see interest paid.

What to do next

Understand the rules and tradeoffs: TDSR & MSR explained.
Decide structure: fixed vs floating · refinance vs reprice.
Run repayment + interest: mortgage amortization calculator.