Debt Service Calculator

Calculate your GDS and TDS ratios to determine mortgage qualification.

Basic Information

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Home Expenses

To budget better and calculate a more realistic Total Monthly Cost, enter the additional home expenses here.

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Mortgage Terms

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Qualification Results

GDS Ratio

49.4%

Too High

TDS Ratio

49.4%

Too High

Maximum Ratios:
GDS
32%
TDS
40%

Stress Test Rate

7.3%

Monthly Mortgage

$3,614

Monthly Debt

$0

Home Expenses

$500

Cash Left (Gross)

$4,219

Download Detailed Analysis

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About Debt Service Ratios

GDS (Gross Debt Service) and TDS (Total Debt Service) ratios are key metrics used by lenders to assess mortgage affordability. Generally, GDS should be below 32% and TDS below 40% for the best approval chances.