Debt service calculator
Instantly calculate Canadian GDS/TDS ratios with the current mortgage stress test.
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- Save unlimited scenarios and track changes over time
- Compare rate options side by side with broker feedback
- Export reports for underwriting or renewal planning
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Interactive calculator
Debt service calculator
See your Canadian mortgage stress test ratios (GDS/TDS), highlight risk bands, and understand how income + expenses impact approvals.
How this calculator works
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.
Inputs you will need
- Gross monthly income
- Housing costs (mortgage, taxes, heating, condo fees)
- Other monthly debt payments
Assumptions and limitations
- Uses standard ratio thresholds that lenders may adjust.
- Assumes steady income.
- Does not replace full underwriting.
Example scenarios
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.
Related tools
Turn this purchase result into a plan
Pair the calculator output with the right buyer guide, then pressure-test lender fit, down payment, and closing-day cash before you make an offer.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
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Frequently asked questions
What is GDS?
GDS is housing costs divided by gross income.
What is TDS?
TDS includes housing costs plus other debt payments.
Do lenders use the same limits?
No. Limits vary based on lender and borrower profile.