Your Debt Service Ratios (Gross & Total) compare your income and expenses, and are some of the most common factors for what size and rate of mortgage you are able to secure.

Debt Service Ratio Calculator

Buyer & Property Details

Income Pay Period:

Employment Income:

Other Income:

Monthly Mortgage Payment:

Property Taxes:

Monthly Heating Expense:

Monthly Condo Fee:

Monthly Car Payment #1:

Credit Card Balance:

Debt Service Ratio Results:

Monthly Income: $0.00

Monthly Housing Cost: $0.00

Total Monthly Costs: $0.00

GDS Ratio:

TDS Ratio:

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Last updated: June 14, 2025
This website, operated under the brand MalcolmtheMortgageGuy.ca, provides general information, tools, and services related to Canadian mortgages. The following disclaimers apply to all content, interactions, calculators, and tools provided on this site.
Malcolm Stoffman
Mortgage Broker (M18002114)
Real Mortgage Associates Inc. (FSRA 10464)
905-517-4228
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Gross/Total Debt Service Ratios (GDS/TDS)

Buyer & Property Details

Debt Service Ratio Results:

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Transparency Statements and Legal Disclaimers

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