How to Calculate DSR: Formula, Examples, and What Counts as a Commitment
To calculate DSR, sum every monthly commitment, divide by monthly income, and multiply by 100. Use conservative numbers so your result lands closer to how a banker would read it.
Step 1: List your monthly income
Start with verifiable income from payslips, bank statements, tax filings, or business records. If your income is variable, use a conservative average rather than the best month.
For a first-pass check on hutang.me, gross income is fine. When a bank assesses a real application, the policy may use net income after statutory deductions, with extra rules for commission, overtime, or rental income.
Step 2: Add every monthly commitment
Include debts that recur every month, not ordinary spending like food or fuel.
- Housing loan or property hire-purchase instalments.
- Car or motorcycle instalments.
- Personal loans.
- PTPTN or other education financing.
- Credit cards, usually based on minimum payment or the bank-internal floor.
- Buy-now-pay-later instalments if they appear on your credit report or statements.
Worked example
If your monthly income is RM6,000, car instalment RM800, PTPTN RM150, credit cards RM250, and a new housing loan estimated at RM1,900, the total commitment is RM3,100.
DSR = RM3,100 / RM6,000 × 100 = 51.7%. That already sits in the high zone for many applications, so you may need to lower commitments, increase the deposit, or shorten the new loan amount.
Common questions
Do I include the new loan instalment?+
Yes. To assess affordability for a new loan, run DSR with the new instalment included alongside your existing commitments.
Should I use gross or net income?+
For a first-pass check, gross income is fine. For a more conservative estimate, run net income or compare both — many banks use net income internally.