TDSR Calculator
See what the bank actually sees as your income — after MAS haircut rules — and calculate your maximum loan size.
How this works: MAS requires banks to apply haircuts to non-salaried income before computing TDSR. Variable pay, dividends, and sole proprietor income are recognised at 70%. The TDSR threshold is 55%.
Your income sources
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Banks amortise pledged assets over 48 months (asset value ÷ 48 = monthly contribution)
Include car loan instalments, credit card minimums, student loans, etc.
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