Debt 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.