Specialized tool · SEABorrow
Debt Service Ratio (DSR / DTI) Calculator
Combine salary, existing debt and a proposed new loan payment to see how much borrowing headroom is really left.
What this tool answers
A fast way to see whether a new installment pushes your monthly debt burden too far.
- Existing-debt + new-loan view in one screen
- Comfort-band interpretation instead of raw math only
- Useful before application, not after a rejection
When to use it
- Checking whether a new loan would overcrowd monthly debt service
- Comparing a shorter-term vs longer-term installment against income
- Preparing a cleaner borrowing scenario before application
Debt pressure gauge
Where the new total debt burden sits
Income split
Where the salary goes after the new loan
| Income | SGD 4,200 |
|---|---|
| Existing debt | SGD 800 |
| New loan payment | SGD 420 |
| Total debt service | SGD 1,220 |
Decision path
From debt pressure to safer borrowing options
When DSR looks crowded, the next move is usually not “apply anyway” but compare lender rows that leave more monthly headroom.
Measure how much salary is already consumed by debt service before adding a new loan.
Switch into a country comparison page and filter for lighter monthly repayment scenarios.
Open lender pages that look easier on monthly cash flow and re-check income thresholds.
Compare now
Jump into the most relevant market pages
Main workbench
Return to the full comparison flow
After testing the scenario here, go back to the comparison workbench to see which lender rows still fit the monthly burden, fee profile or tenure range you want.
Open comparison workbench →Relevant lender pages
Pages worth opening after this tool
These are not blanket “best loan” claims. They are lender pages that look especially relevant to the question this tool is helping answer.
Personal Line of Credit — Instalment Plan
This lender page is relevant when the main question is whether a new installment leaves enough breathing room after existing debt.
CashOne Personal Loan
This lender page is relevant when the main question is whether a new installment leaves enough breathing room after existing debt.
Personal Loan
This lender page is relevant when the main question is whether a new installment leaves enough breathing room after existing debt.
FAQ
DSR Calculator FAQ
What is DSR or DTI?
It is the share of your monthly income consumed by debt payments. Lenders use it to judge whether a borrower still has room for a new installment.
Why does existing debt matter so much?
Because the new loan is not assessed in isolation. Credit cards, car loans and other monthly commitments can make a seemingly affordable loan much tighter in practice.
Does this tool give an approval decision?
No. It gives a planning view of monthly debt pressure. Individual lenders still apply their own rules, income checks and underwriting criteria.
What DSR level do banks usually consider safe?
Thresholds vary by market and product, but many lenders begin to push back somewhere between 40% and 60% total debt service. The lower your DSR before adding a new loan, the more headroom you preserve for life events.
How can I reduce my DSR before applying?
The fastest levers are paying down or consolidating high-interest revolving debt, closing unused credit lines, and waiting for a previous installment loan to end. Increasing income usually takes longer than reducing committed payments.