Free Debt Service Ratio Calculator for New Zealanders
DSR is the share of your gross income that goes to servicing all debts. Banks use it alongside the newer DTI rules to assess affordability. Most prefer DSR under 35-40%.
Your debt and income
$11,500
$
$4,108
$
$300
$
Debt service ratio
38%
at the upper edge of bank comfort
Based on $11,500 gross monthly income with $4,408 total monthly debt repayments.
Mortgage repayment$4,108
Other debts$300
Total monthly debt$4,408
Comfortable headroom (35% DSR)$25
About our Debt Service Ratio Calculator
Disclaimer: This calculator is for information only and does not constitute financial advice. Real-world figures may differ due to fees, rounding, rate changes, and policy specifics. Always confirm figures with the relevant provider before signing anything.