How much can I comfortably borrow?
Enter your take-home pay and what you already repay each month. We'll show how much of your income goes to debt and a loan size that keeps it at a comfortable level.
Estimates only. Every approved customer pays 4.9% p.a.; your approval and the amount we can lend depend on your assessment, and your adviser confirms your repayments before you sign.
How it works
Your debt service ratio (DSR) is the share of your take-home pay that goes to loan repayments each month: existing repayments ÷ take-home pay. Lenders use it to judge whether a new instalment is affordable.
The calculator works out your room for a new repayment as 40% of take-home pay minus what you already repay. It then finds the largest amount, in our usual steps, whose instalment fits in that room at our rate of 4.9% p.a., which is the same for every term.
Worked example: take-home pay RM 4,000 and existing repayments RM 900, so your DSR is 22.5% and the room is RM 1,600 − RM 900 = RM 700 a month. Over 24 months at 4.9% p.a., that fits a Personal Loan of RM 15,500 at RM 679.31 a month. Over 12 months it's RM 8,000 at RM 684.49 a month; over 36 months it's RM 23,000 at RM 688.30 a month, with more interest in total.
If you take home RM 3,000 and already repay RM 1,300, your DSR is about 43%, so there's no room left under the 40% guide. Paying down existing debt first is the better move.
40% is a cautious guide, not our approval rule. Your adviser looks at your full situation, including your other expenses, to decide whether you're approved and how much we can lend. The rate is 4.9% p.a. for every approved customer.
Questions
Should I count my credit card balance?
Count the monthly amount you actually pay, or at least the minimum payment. If you carry a balance from month to month, paying it down first usually saves more than borrowing more.
What income counts?
Use your regular take-home pay after EPF, SOCSO and tax. If you're self-employed or a gig worker, use an average of several months from your bank or platform statements, and look at your weakest recent month too, because the instalment has to be paid in slow months as well.
Is 40% the limit lenders use?
No single limit applies. Each lender sets its own, and some work from gross income rather than take-home pay. We use 40% of take-home pay because it leaves a reasonable amount for rent, food, transport and emergencies.
Why is the suggested amount lower than what I need?
It keeps your repayments at a level that leaves room for everyday costs. A longer period lowers the monthly instalment but means more interest overall. You can also borrow less and cover the rest from savings, or talk to your adviser about your options.
Does using this calculator affect my credit record?
No. Nothing you enter is saved or sent anywhere, and no credit check is made. Our licensed lending partner checks CCRIS/CTOS only after you submit an application, with your consent.
Apply in about 3 minutes
Work out your monthly repayment first with our calculator. Your adviser confirms your rate before you sign, and applying doesn't commit you to borrow.