GDS/TDS Debt Ratio Calculator
Estimate gross debt service and total debt service ratios, with an optional mortgage stress-test view.
Before you use this tool
What it estimates
Estimate gross debt service and total debt service ratios, with an optional mortgage stress-test view.
Who it is for
Canadian homebuyers reviewing how income, housing costs, and debts may affect mortgage qualification.
Numbers you need
Annual household income, mortgage payment or mortgage details, property tax, heat, condo fees, and monthly debt obligations.
What the result means
The tool estimates GDS and TDS ratios, compares common planning guidelines, and can show a mortgage stress-test scenario.
Next step
Use the ratios to identify whether housing costs or other debts may deserve a closer qualification review.
Review my debt ratiosIncome and housing / Revenu et logement
The estimate includes 50% of condo fees in housing costs, a common qualification convention. Lender treatment may vary.
Other monthly debts / Autres dettes mensuelles
Monthly housing costs
$3,533
Includes $0 of condo fees.
Monthly other debts
$600
Credit-card amount included: $150.
GDS ratio
35.3%
Compared with a 39% planning guideline.
TDS ratio
41.3%
Compared with a 44% planning guideline.
What may be limiting you: Neither ratio exceeds the configured guideline
The 39% GDS and 44% TDS figures are common insured-mortgage planning guidelines, not approval thresholds. Lender and insurer policies, credit, income treatment, property, documentation, and other rules vary.
Qualifying rate
7.00%
Higher of contract rate + 2% or the configured 5.25% floor.
Stressed GDS
41.3%
Stressed TDS
47.3%
Estimates only / Estimations seulement. Results are educational and are not an approval, pre-approval, rate quote, or commitment to lend.
Estimate the purchase price these ratios may supportFrequently asked questions
What GDS and TDS ratios do I need for a mortgage in Canada?
This calculator compares results with common insured-mortgage guidelines of 39% GDS and 44% TDS. They are planning guidelines, not guaranteed approval thresholds. Lender and insurer criteria may use different limits or consider other risks, credit, property, and documentation. The maximum mortgage calculator applies the same configured guidelines when estimating borrowing capacity.
What expenses are included in GDS and TDS calculations?
GDS typically includes the mortgage payment, property tax, heating, and 50% of condominium fees. TDS includes those housing costs plus monthly obligations such as vehicle payments, credit cards, loans, and support payments. Exact treatment depends on lender and insurer criteria, so the calculator's ratios are estimates and may differ from a formal application.
How are credit card balances counted in a TDS ratio?
This calculator offers either the stated monthly payment or 3% of the outstanding balance as a planning assumption. A lender may use a different minimum payment or methodology based on the credit report and its policies. Reducing revolving balances may improve the estimated TDS result; the maximum purchase price calculator can show the related effect on borrowing capacity.
What rate is used for the mortgage stress test?
The optional stress view uses the greater of the contract rate plus two percentage points or a 5.25% floor. It recalculates the estimated mortgage payment with Canadian semi-annual compounding before updating GDS and TDS. Qualification treatment depends on the transaction and lender criteria, so the stressed ratios are educational estimates rather than an approval decision.