GDS / TDS Calculator

Lenders use two key debt service ratios to assess your mortgage eligibility:

• Gross Debt Service (GDS) — which measures your housing-related expenses including the mortgage you’re applying for, and
• Total Debt Service (TDS) — which includes both your housing costs and all other debt obligations.

These ratios help lenders evaluate whether you can comfortably manage your mortgage payments. Keep in mind, they must calculate these using the federally mandated Stress Test qualifying rates to ensure borrowers can handle potential rate increases.