TDS Calculator — Affordability First

Borrower Income

Annual Gross Income #1

Enter annual before‑tax income (CAD).

Annual Gross Income #2 (optional)

Mortgage & Housing Costs

Mortgage Amount

Amortization (years)

Contract Interest Rate (%)

MQR / Qualifying Rate (%) (for stress test)

Payment Basis

Stress‑test uses max(contract + 2.00%, MQR). Choose the basis your lender applies.

Property Taxes (annual)

Heating (monthly)

Condo Fees (monthly) (50% counted)

Other Housing Costs (monthly) (if lender includes)

Other Monthly Debts

Auto / Lease (monthly)

Credit Cards (monthly payment)

Lines of Credit (monthly payment)

Student / Personal Loans (monthly)

Spousal / Child Support (monthly)

Other Debts (monthly)

Tip: If you only know revolving balances, a conservative proxy for the payment is 3% of balance per month.

Results

Monthly Income

Monthly P&I

Other Debts

TDS Costs

TDS Ratio

0.0%

Enter details to see TDS guidance.

Guidance bands: ≤ 35% (prudent), 36–39% (caution), 40–44% (high), > 44% (too high).

Breakdown

Contract rate: –% → Monthly P&I: $0
Stress‑test rate (max(contract + 2.00%, MQR)): –% → Monthly P&I: $0
Housing (GDS) monthly costs: $0 → GDS: 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.