DSR Calculator

Estimate debt-service-to-income after current debts and a new loan payment.

DSR inputs

Estimate debt-service-to-income after adding a new loan.

Estimated DSR

31.7%

New monthly payment

$1,342

Annual debt service

$26,904

Estimated max new loan

$259,308

The headroom estimate assumes fully amortizing payments and uses the same rate and term entered for the new loan.

What DSR measures

DSR compares annual debt payments with annual income. It is useful for checking whether a new loan may push a household or borrower beyond a chosen affordability threshold.

Using the headroom estimate

The estimated maximum new loan uses the rate, term, current debt payments, and DSR limit entered above. Treat it as planning guidance, not a lender approval result.