GDS & TDS Calculator -

depth service calculator

Your debt levels impact how much you can borrow.

The GDS (Gross Debt Service) ratio shows what portion of your income goes toward housing costs like mortgage payments, property taxes, and heating.

The TDS (Total Debt Service) ratio includes all your debts, like car loans and credit cards, in addition to housing costs. This calculator helps you see your ratios and understand your comfort zone before applying for a mortgage, so you can plan confidently.

GDS TDS Calculator

Calculate your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios based on your purchase price, down payment, debts, and annual income.

Note: This is only an estimate. Please apply below with Paul Oosh to get a more accurate representation of your GDS and TDS.

GDS Ratio

0.00%

TDS Ratio

0.00%

Down Payment ($)

Purchase Price ($)

Monthly Debt ($)

Annual Income ($)

Note: This is an approximate calculation that assumes the defaults below:

5.25% qualifying rate
30 year amortization
$396.00 monthly condo fees
$100.00 monthly heating
1.24% annual property tax estimate (of purchase price)

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