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Finance

DSR Calculator

Calculate a basic debt service ratio from annual income and total annual principal-and-interest repayments across loans.

KRW
KRW

How to use

Enter the values requested above. Calculate a basic debt service ratio from annual income and total annual principal-and-interest repayments across loans. The result is calculated in your browser.

Formula

Basic DSR (%) = annual repayments on all debt ÷ annual income × 100.

Example

With annual income of KRW 50 million and annual loan repayments of KRW 10 million, what is DSR?

The basic DSR is 20%. Stress tests and lender-specific rules are excluded.

Frequently asked questions

How does this differ from DTI?
This basic DSR uses total annual principal and interest repayments. The DTI formula here uses housing-loan repayments and interest on other debt.
Are my entries stored?
No. The calculation runs in your browser, and this page does not save the values you enter.