This calculator works out your debt service ratio (DSR): your total monthly commitments, including the new home loan instalment, divided by your net income. Enter your gross monthly income, your deductions (EPF, SOCSO/EIS and income tax) and what you pay each month for your car loan, personal loan and credit card. It compares the result with a reference limit that you can move. DSR limits vary by bank and income level, and the bank makes the actual decision.
The calculator loads on this page. All figures are estimates for reference only; actual amounts depend on your bank, your lawyer and the authorities.
Other calculators
Financing & Loan
Home Loan Calculator: Work out the monthly instalment and total interest on a home loan in Malaysia from the price, downpayment, interest rate and tenure.
Loan Amortization Schedule: See year by year how a home loan is paid off: opening balance, interest paid, principal paid and what you still owe at the end of each year.
Extra Payment Interest Savings: See how much interest you save and how much sooner a home loan ends when you pay a fixed extra amount of principal every month.
Full-Flexi vs Semi-Flexi Loan: Compare total interest on a semi-flexi and a full-flexi home loan, based on the money you keep in the linked current account and the monthly fee.
Refinance Calculator: Compare your current home loan instalment with the instalment at a new bank's rate, and see the saving after the cost of refinancing.
Early Settlement Calculator: Estimate the interest you avoid by settling a home loan early, less any lock-in penalty. Enter the years paid and your lock-in period.
Affordability
Maximum Property Budget: Estimate the highest home loan and property price your income could support, from your net income, existing loans and a reference DSR limit.
Purchase Cost
Stamp Duty & Legal Fees Calculator: Estimate stamp duty on the transfer (MOT) and loan agreement, plus SPA and loan legal fees, for a property purchase in Malaysia.
Upfront Purchase Cost: Add up the cash needed to buy a property in Malaysia: downpayment, stamp duty, legal fees, disbursements and the bank valuation fee.
Renovation Estimator: Add up a home renovation budget item by item: living room, kitchen, bedrooms, bathrooms, air-conditioning, wiring and painting.
Rent vs Buy Calculator: Compare buying a home with a loan against renting a similar home and investing the difference, over a set number of years.
Rental Yields
Rental Yield Calculator: Work out gross and net rental yield from the property price, expected monthly rent and yearly costs such as maintenance and sinking fund.
Airbnb Short-Stay Yield: Estimate yearly short-stay income and net yield from your nightly rate and occupancy, after platform fee, utilities, management and cleaning.
Rental Cashflow & DSCR: See whether the rent covers the loan instalment: monthly net cashflow, cash-on-cash return on your upfront cash and debt coverage ratio.
Taxes & Gains
RPGT Calculator: Estimate real property gains tax (RPGT) on a sale in Malaysia from the purchase price, selling price, years held, costs and seller type.
Exit Profit & ROI: Work out what you keep after selling a property: the gain minus buying costs, agent fee, legal fee, renovation and RPGT, and your return.
Insurance
Fire Insurance Estimator: Estimate a yearly home fire insurance premium from the cost of rebuilding the home, with service tax, stamp duty and contents cover.
MRTA vs MLTA: Compare MRTA and MLTA mortgage cover: an estimated MRTA single premium for your loan against the total MLTA premiums over the tenure.