- calculator
- slug
- debt-service
- title
- Debt Service (GDS/TDS)
- description
- Full ratio breakdown with policy toggles.
- category
- qualification
- input Schema
{ "type": "object", "properties": { "mortgageAmount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "nominalRatePercent": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "amortization": { "type": "object", "properties": { "years": { "type": "integer", "minimum": 0, "maximum": 40 }, "months": { "type": "integer", "minimum": 0, "maximum": 11 } }, "required": [ "years", "months" ], "additionalProperties": false }, "propertyTaxes": { "type": "object", "properties": { "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "frequency": { "type": "string", "enum": [ "monthly", "annual" ] } }, "required": [ "amount", "frequency" ], "additionalProperties": false }, "heat": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "condoFees": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "monthlyDebts": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "grossAnnualIncome": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "otherShelterExpenses": { "type": "array", "items": { "type": "object", "properties": { "label": { "type": "string", "minLength": 1, "enum": [ "Option A", "Option B", "Option C", "Current payment", "Current offer", "Alternative offer", "Lender retention", "Market offer", "Prepayment", "Lump sum", "Recurring increase" ] }, "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "frequency": { "type": "string", "enum": [ "monthly", "annual" ] } }, "required": [ "label", "amount", "frequency" ], "additionalProperties": false }, "default": [] }, "otherExpenses": { "type": "array", "items": { "type": "object", "properties": { "label": { "type": "string", "minLength": 1, "enum": [ "Option A", "Option B", "Option C", "Current payment", "Current offer", "Alternative offer", "Lender retention", "Market offer", "Prepayment", "Lump sum", "Recurring increase" ] }, "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "frequency": { "type": "string", "enum": [ "monthly", "annual" ] } }, "required": [ "label", "amount", "frequency" ], "additionalProperties": false }, "default": [] }, "otherIncome": { "type": "array", "items": { "type": "object", "properties": { "label": { "type": "string", "minLength": 1, "enum": [ "Option A", "Option B", "Option C", "Current payment", "Current offer", "Alternative offer", "Lender retention", "Market offer", "Prepayment", "Lump sum", "Recurring increase" ] }, "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "frequency": { "type": "string", "enum": [ "monthly", "annual" ] } }, "required": [ "label", "amount", "frequency" ], "additionalProperties": false }, "default": [] } }, "required": [ "mortgageAmount", "nominalRatePercent", "amortization", "propertyTaxes", "heat", "condoFees", "monthlyDebts", "grossAnnualIncome" ], "additionalProperties": false }
Canadian mortgage tools · CAD
Debt Service (GDS/TDS)
Current public data and calculations from Pragmatic Mortgage. Anonymous access; no account required.