GDS / TDS Calculator
Estimate Canadian GDS & TDS ratios based on income, housing costs, and debts.
Inputs
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0) Quick Actions
Reset • Copy • Advanced
–
Reset to Defaults
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Advanced Mortgage Builder
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1) Income (Gross)
Pre-tax
–
Annual income
ⓘ
$
Monthly income (synced)
ⓘ
$
Co-borrower annual income
$
Other annual income
$
Total gross monthly income (auto)
$
2) Mortgage & Payment
Direct • Builder
–
Enter Mortgage Payment Directly
Build Mortgage Payment
Direct mode uses a monthly equivalent payment for ratios.
Mortgage Payment per month
$
Payment frequency (info)
Monthly
Bi-weekly
Accelerated bi-weekly
Home price
$
Interest rate (%)
%
Down payment (%)
%
Down payment ($)
$
Mortgage amount (auto)
$
Amortization (years)
30
25
20
15
Payment frequency
Monthly
Bi-weekly
Accelerated bi-weekly
Estimated monthly equivalent mortgage payment (auto)
$
Accelerated bi-weekly uses an approximation.
3) Housing Costs (Monthly)
Taxes • Heat • Condo • Insurance
–
Property Taxes: Annual %
Property Taxes: Annual $
Annual property tax rate (% of home price)
%
Monthly property taxes (auto)
$
Annual property taxes ($)
$
Monthly property taxes (auto)
$
Heating cost ($/month)
$
Condo/Strata fees ($/month)
$
Home insurance ($/month)
$
Use 50% of condo fees in GDS
Default ON
Include insurance in GDS/TDS
Default OFF
4) Other Monthly Debts (TDS)
Auto totals
–
Car payment(s)
$
Credit cards minimums
$
Student loans
$
Personal loans
$
Child support/alimony
$
Other debts
$
Total other monthly debts (auto)
$
5) Limits (Preset Buttons)
Default 39/44
–
Default 39 / 44
Conservative 35 / 42
Flexible 40 / 45
GDS limit (%)
%
TDS limit (%)
%
Borrower Type (info only)
Insured
Uninsured
Newcomer
Disclaimer: Actual lender rules depend on insurer, credit, and stress test.
Results
Limit Set: Default
Income: Ready
GDS
0.0%
vs 39.0%
Within Limit
TDS
0.0%
vs 44.0%
Within Limit
Summary
Gross Monthly Income
$0
Monthly Mortgage Payment (Eq.)
$0
Housing Costs used in GDS
$0
Other Monthly Debts
$0
Total Monthly Obligations
$0
GDS% (Actual vs Limit)
0.0% vs 39.0%
TDS% (Actual vs Limit)
0.0% vs 44.0%
Notes
—
Gauges
GDS
0.0% / 39.0%
TDS
0.0% / 44.0%
Disclaimer: Actual lender rules depend on insurer, credit, and stress test.
Breakdown
Charts
Cost Breakdown
Actual vs Limit
What-if
Recommendations
Disclaimer: Actual lender rules depend on insurer, credit, and stress test.
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