Total Debt Service (TDS) Calculator
A prudent, Canadian-style TDS calculator. Lenders look at your entire profile. Start with housing costs, add other monthly debt payments. Discover if you can afford a home in real time.
Borrower Income
Enter annual before‑tax income (CAD).
Mortgage & Housing Costs
Housing Payment & Qualification Basis
Current OSFI B-20 floor: 5.25%. The stress-test rate is always at least 5.25%, regardless of the value entered here.
Stress‑test uses max(contract + 2.00%, MQR) with a minimum floor of 5.25% (OSFI B-20). Choose the basis your lender applies.
Housing Costs Included in TDS
Other Monthly Debts
Non-Housing Debt Payments in TDS
Tip: If you only know revolving balances, a conservative proxy for the payment is 3% of balance per month.
Results
Monthly Income
$0
Monthly P&I
$0
Other Debts
$0
TDS Costs
$0
TDS Ratio
35%
39%
44%
0.0%
Enter details to see TDS guidance.
Guidance bands: ≤ 35% (prudent), 36–39% (caution), 40–44% (at OSFI B-20 limit), >44% (exceeds OSFI B-20 / CMHC TDS limit).
Breakdown
Contract rate: –%
Monthly P&I: $0
Stress‑test rate (max(contract + 2.00%, MQR)): –%
Monthly P&I: $0
Housing (GDS) monthly costs
$0
Housing-only GDS ratio
0.0%
Note: This tool focuses on TDS with user‑entered payments. Lender rules vary (e.g., assumed payments for revolving credit). Always verify lender guidelines.