Income qualifier
Enter your income and estimate your maximum mortgage.
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Optional. Helps compute minimum down payment.
Income qualifier
Stress-test GDS/TDS ratios using OSFI rules and lender targets.
How this calculator works
Estimate the mortgage amount you can qualify for based on income and debts.
Use it to see how changes in income or debt affect approval limits.
Inputs you will need
- Gross household income
- Monthly debt payments
- Target interest rate
- Amortization length
Assumptions and limitations
- Uses standard GDS/TDS ratio limits.
- Assumes consistent income and debt levels.
- Stress-test rules may still apply.
Example scenarios
Dual-income scenario
Combine two incomes and check qualifying amounts.
Single-income with lower debt
See how paying off a loan changes qualification.
Related tools
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
Frequently asked questions
Does bonus income count?
Some lenders average variable income over two years. Ask your broker for specifics.
What if I am self-employed?
Lenders use different income calculations. Use this as a starting point.
Does this include taxes or insurance?
Property taxes and heating can affect ratios; include them where available.