Calculator
TDSR Stress Test Calculator Singapore
Stress-test a proposed property loan against MAS TDSR and MSR limits.
How to use this TDSR stress test
Enter income, existing debts, proposed loan, tenure and stress rate to estimate whether the mortgage may fit within TDSR and, where relevant, MSR. Use it before viewing units to avoid unrealistic budgets. It does not replace bank credit assessment, income haircut rules, guarantor treatment or CPF/valuation checks.
This calculator is an illustration only. Rates, eligibility rules and tax treatment can change. Verify the final figures with IRAS, MAS, CPF, your bank, lawyer or relevant professional before acting.