Instantly calculate Canadian GDS/TDS ratios with the current mortgage stress test.
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Stress test uses the greater of contract rate +2% or 5.25%.
See your Canadian mortgage stress test ratios (GDS/TDS), highlight risk bands, and understand how income + expenses impact approvals.
Calculate your gross and total debt service ratios and compare them to lender guidelines.
Use it to understand how debts and housing costs influence approval.
Targeting 39/44 ratios
See how close your ratios are to common lender thresholds.
Add a new loan
Simulate how a new auto loan affects ratios.
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GDS is housing costs divided by gross income.
TDS includes housing costs plus other debt payments.
No. Limits vary based on lender and borrower profile.