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  • Debt Service Calculator
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Debt Service Calculator

Compare your monthly debt payments and housing expenses to your gross household income.

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Debt Service Calculator

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Your Gross Debt Service Ratio (GDS)

GDS must not exceed 39%

Your Total Debt Service Ratio (TDS)

TDS must not exceed 44%

Did You Know?

Based on these results, you have exceeded one or both of the debt service thresholds. You’ll need to increase your income or reduce your monthly expenses to qualify for a mortgage. ×
 

Disclaimer

This calculator is for illustrative purposes only. While every effort is made to keep this tool up-to-date, CMHC does not guarantee the accuracy, reliability or completeness of any information or calculations provided by this calculator. CMHC is not be liable for loss or damage of any kind arising from the use of this tool.
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Date Published: March 5, 2018

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