How do your income and monthly debts compare?
Enter your household income, mortgage and monthly costs. We'll estimate the GDS and TDS ratios a lender may look at when reviewing mortgage qualification.
Estimate My RatiosFor planning only. Individual lender calculations can vary.
What You'll Find Out
Estimated GDS
See how your housing costs compare with your gross household income.
Estimated TDS
See what changes when your other monthly debts are included.
Qualifying payment
See the estimated mortgage payment used for the calculation.
Housing costs
Mortgage payment, property taxes, heating and a portion of condo fees are included.
Other monthly debts
TDS also considers the other monthly debt obligations you enter.
Planning estimate
Lender and insurer calculations can differ from the estimate shown here.
Build Your Estimate
Start with your income, mortgage and monthly costs.
Change any of the numbers and your estimated GDS and TDS ratios will update automatically.
Your information
Tell us about your income and monthly costs
Enter the numbers below and we'll estimate your GDS and TDS ratios.
Enter your household income before income tax.
Enter the mortgage amount you expect to borrow.
Available amortizations can vary depending on the mortgage.
For qualification, lenders may use the full property tax amount before rebates or grants, including the BC Home Owner Grant.
Not sure? $100/month is a reasonable starting estimate.
This estimate uses 50% of the amount entered.
Include things like loans, leases, lines of credit, credit cards and other regular debt obligations.
Your results
Here's what we found.
One or both estimated ratios are above commonly used planning guidelines.
This does not mean you cannot qualify for a mortgage. A lender may calculate parts of your application differently.
Estimated GDS
45.2%
Housing costs compared with your gross household income
Estimated TDS
45.2%
Housing costs and other debts compared with your gross household income
Qualifying mortgage payment
$4,015
Estimated using a 6.49% qualifying rate
Why are these only estimates?
Lenders and mortgage insurers may calculate income, debts, property taxes, housing costs and other parts of an application differently. These numbers are for planning and should not be treated as a lender's final calculation.
Want to understand the ratios themselves? Read What Are GDS and TDS Ratios?
What this means
Your ratios are useful for planning — but they are not a mortgage approval.
GDS and TDS help show how much of your gross household income is being used for housing costs and other monthly debts. As a general planning guideline, many mortgage calculations use up to 39% for GDS and 44% for TDS.
One thing to remember
The numbers used by a lender may not be exactly the same as the ones you enter here. For example, a lender may use property taxes before the BC Home Owner Grant, even though the amount you actually pay is lower. Income and debt calculations can also vary by lender and mortgage insurer.
Want to understand the ratios themselves?
Read the plain-English explanation of GDS, TDS and why lenders use debt servicing ratios.
Continue Planning
Continue Your Home Buying Journey
These resources build on what you’ve just learned and can help you take the next step with more confidence.
Income Required Calculator
Work backwards from a home price, housing costs and monthly debts to estimate the income you may need.
Estimate IncomeMortgage Payment Planner
Estimate your monthly, bi-weekly or accelerated bi-weekly mortgage payment.
Open PlannerClosing Costs Planner
Estimate property transfer tax, legal fees and other costs to plan for when buying a home.
Open PlannerA Note from Kiersten
Want me to check the actual numbers?
GDS and TDS are useful for planning, but every lender has its own way of looking at an application. If you have a specific home or mortgage in mind, I'd be happy to review the actual income, debts and housing costs with you and explain how they may be treated.