Total monthly commitments
RM 1,750.00
Home loan or rent included.
Memuatkan...
Memuatkan...
Enter your income and every monthly commitment to see what share of your pay is already spoken for, how much is left once living costs are met, and what one more commitment would do to both.
⚠ This is a personal cashflow tool, not a bank's underwriting formula. Malaysian lenders use their own definitions of income and commitments and their own internal ceilings, none of which are published. A comfortable reading here is not an approval, and an uncomfortable one is not a rejection.
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Take-home pay, after EPF, SOCSO and tax deductions.
Optional. Banks usually work from gross, which is why their ratio differs from this one.
Food, utilities, transport, school — the spending that does not stop.
A car, a personal loan, a phone plan. Leave at zero if none.
Everything is calculated in your browser. No income or commitment figure is sent anywhere or stored.
Debt to net income
Tight · 35%–45% of net income
Cashflow can get tight, especially if your fixed living costs are high.
Total monthly commitments
RM 1,750.00
Home loan or rent included.
Left after debt
RM 2,750.00
Left after debt and living costs
RM 1,650.00
The number that decides whether a month is survivable.
Left after your savings target
RM 1,350.00
Shown because banks generally assess against gross income, so this is the closer of the two to what an underwriter sees — and it is still not their formula. This ratio is a DuitMap guide for your own planning only. Banks may use a different DSR formula, a different definition of income, and a different treatment of commitments.
Important note
This calculation is an estimate for education and early planning only. Actual results can differ according to your inputs, current policies, official documents, contracts, rates, charges and the methods used by the relevant provider. Check with the official authority or institution before making a financial decision.
A loan estimate is not a bank approval. Banks and financial institutions may use different assessment methods, rates, charges, documents and credit policies.
Reference basis
No lender rule or approval threshold is embedded. The user supplies net income, optionally gross income, each monthly commitment, fixed living costs, a savings target and any commitment being considered. The engine divides total commitments by income, reports what is left after living costs and savings, and re-runs the same arithmetic with the planned commitment added.
Key assumptions
This is NOT any bank's DSR formula
Malaysian lenders use their own definitions of income and commitments, generally assess against gross rather than net income, may apply a haircut to variable income, and set internal ceilings that are not published. A comfortable reading here is not an approval and an uncomfortable one is not a rejection.
The headline ratio uses NET income
Net income answers whether the month is survivable, which is what this tool is for. The gross ratio is shown alongside it when a gross figure is entered, because that is closer to what an underwriter assesses.
Risk bands are DuitMap editorial thresholds
The comfortable / manageable / tight / at-risk bands are conservative DuitMap guidance held as explicit constants in the engine. They are not regulatory and not any lender's.
Housing can be counted or excluded
Counting the home loan or rent shows the true committed share of income; excluding it isolates consumer debt. The calculator exposes the switch rather than choosing, and labels which basis a result used.
Credit cards enter at the minimum payment
Only the contractual minimum is treated as a commitment. That understates the real cost of carrying a card balance, which the warnings say explicitly.
Official / related sources
BNM
PIDM • Disemak 8 Julai 2026
Jabatan Peguam Negara (AGC) • Disemak 7 Ogos 2026
Association of Banks in Malaysia (ABM) • Disemak 8 Julai 2026
It is the share of your income that already goes to servicing debt. Add up every monthly commitment — home loan or rent, car loan, personal loan, credit card minimums, buy-now-pay-later instalments, education loan — and divide by your income. The higher the share, the less of each month is actually yours.
No, and it is important not to treat it as one. Banks apply their own formula: they generally work from gross rather than net income, they include or exclude commitments differently, some apply a haircut to variable income, and each sets its own internal ceiling that is not published. This calculator gives you a consistent personal read on whether your budget is under strain. It cannot tell you whether an application will be approved.
Both, for different questions. Net income answers "can I actually live on what is left", which is what this tool is built around, so the headline ratio uses it. Gross income is closer to what a lender assesses, so the calculator shows that ratio too when you enter a gross figure. Expect the two to differ noticeably — that gap is EPF, SOCSO and tax, not an error.
Anything you are contractually obliged to pay each month: instalments on loans and financing, the minimum payment on each credit card, and active buy-now-pay-later schedules. Buy-now-pay-later is the one most often left out, because it does not feel like a loan and does not arrive as a statement — the calculator gives it its own field for that reason.
It depends on the question you are asking. Counting it shows the true share of income already committed, which is what matters for whether the month works. Excluding it isolates consumer debt, which is more useful when you are deciding whether the housing commitment itself is the problem. The calculator lets you switch between the two rather than picking for you.
Broadly three: reduce the commitments, restructure them, or raise income. Restructuring covers both a commercial consolidation loan and the free Debt Management Programme run by Agensi Kaunseling dan Pengurusan Kredit (AKPK), which Bank Negara Malaysia established. They work differently and leave different marks on your credit record, so compare them before applying for anything.
A high ratio is a cashflow problem before it is a credit problem. Look at what restructuring would actually cost, and at what lenders can already see about you, before applying for anything new.