Saudi Debt Burden Ratio (DBR) Calculator Widget

Check monthly obligations against SAMA's Responsible Lending Principles: the 33.33% salary-deduction limit, the 45% limit on obligations other than home finance, and the total limit for your income band - with the room left under each and what extra finance it could carry.

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How it works

SAMA's Responsible Lending Principles measure obligations against total monthly income, which is gross salary or pension plus half of the monthly average of other regular income, excluding government support except housing support on home finance. Three limits apply. Instalments deducted directly from salary may not exceed 33.33% of gross salary, or 25% for retirees, at any income. For incomes up to SAR 15,000, obligations other than home finance may not exceed 45% of income and all obligations together 55% - or 65% for Ministry of Housing and REDF support beneficiaries on home finance. For incomes above SAR 15,000 and below SAR 25,000 the figures are 45% and 65%, and from SAR 25,000 SAMA leaves the total to each lender's policy. Credit cards count at their minimum repayment. The widget shows the current burden, each applicable limit, the room left under the tightest one and, at a rate and term you choose, the extra finance that room could illustratively carry. It reports 'within' or 'above' a stated limit, not whether anyone will lend.

Calculation method

  • Income = gross salary + 50% of other regular income
  • Salary deduction = deducted instalments / gross salary <= 33.33% (25% retirees)
  • Band limits: <= SAR 15,000: 45% non-home / 55% (65%) all; 15,000-25,000: 45% / 65%; >= 25,000: lender policy
  • Room = limit x income - obligations; extra finance = principal whose instalment equals the smallest room

Worked examples

Employee on SAR 10,000

Inputs: No other income, no obligations

Result: Room: 3,333 salary deduction; 4,500 non-home; 5,500 total

Over the non-home limit

Inputs: Salary SAR 10,000; personal 3,000; car 1,500; card minimum 200

Result: Above the 45% limit by SAR 200

Non-home obligations 4,700 against 4,500.

A regulatory-limit check, not a credit decision. Lenders decide eligibility under their own policies.

Limitations

  • Lenders add their own policies, stress margins and minimum salaries; 'within limits' is not an approval.
  • Obligations are taken as entered; the widget does not read a SIMAH credit report.
  • Variable-rate margins and unequal-instalment averaging must be reflected in the amounts you enter.

Where publishers use it

  • A bank's or finance company's pre-application page
  • A financial-literacy blog explaining Saudi DBR bands
  • A car dealer's finance desk checking room before quoting a lease
  • A Jeddah government employee checking room for a car lease
  • A retired teacher in Abha testing the 25% pension limit

Questions

What is the maximum debt burden ratio in Saudi Arabia?

It depends on income. Up to SAR 15,000: 45% for obligations other than home finance and 55% in total (65% for housing-support beneficiaries). SAR 15,000-25,000: 45% and 65%. From SAR 25,000, the lender's policy. Salary deductions are capped at 33.33% throughout.

How is income calculated for the debt burden?

Gross monthly salary or pension plus 50% of the monthly average of other regular income evidenced over two years. Citizen Account and social-security support are excluded.

How do credit cards count?

At the minimum monthly repayment on each card, under paragraph 13 of SAMA's Responsible Lending Principles.

What is the limit for retirees?

Instalments deducted from a pension may not exceed 25% of the gross pension. A SAR 8,000 pension allows SAR 2,000 a month.

Rules and official sources

Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for Saudi Arabia; when a rule changes, the widget changes with it.

RuleOfficial sourceIn force fromLast verifiedNext review
Income counted for debt burden
Total monthly income = gross salary (or pension) + 50% of the monthly average of other periodic income evidenced over two years (para 14). Citizen Account and social security support are excluded; MoMAH/REDF housing support counts for real estate products only. A credit card counts at its minimum repayment; unequal instalments, including a final balloon payment, count at their monthly average (para 13). 		Responsible Lending Principles for Individual Customers, Chapter IV
Saudi Central Bank (SAMA Rulebook) - Paras. 13 and 14		 12 Aug 2018 7 Oct 2026 5 Apr 2027
Instalments deducted from salary
Instalments deducted from salary may not exceed 33.33% of gross salary for employees and 25% for retirees, in every income band. 		Responsible Lending Principles for Individual Customers, Chapter IV
Saudi Central Bank (SAMA Rulebook) - Paras. 15(a), 16(a), 17(a)		 12 Aug 2018 7 Oct 2026 5 Apr 2027
Debt burden limits by income band
Income up to SAR 15,000: obligations other than home finance up to 45% of income; all obligations up to 55%, or 65% for Ministry of Housing / REDF support beneficiaries on home-finance products. Over SAR 15,000 and under 25,000: 45% and 65%. SAR 25,000 and above: only the salary-deduction limit is fixed; the total is set by the lender's policy. 		Responsible Lending Principles for Individual Customers, Chapter IV (amended by Circular 406940000001)
Saudi Central Bank (SAMA Rulebook) - Paras. 15(b)-(c), 16(b)-(c), 17		 12 Aug 2018 7 Oct 2026 5 Apr 2027

Sources

  1. Responsible Lending Principles for Individual Customers, Chapter IV - Saudi Central Bank (SAMA Rulebook) . Paras. 13 and 14. Verified 2026-10-07.

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A2Z Tools Saudi Debt Burden Ratio (DBR) Calculator
https://a2z.tools/embed/saudi-debt-burden-ratio-calculator

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