Affordability Calculator
Find out how much home you can afford based on your income, debts, and down payment. Uses Canadian GDS and TDS ratios with stress test qualification.
New for 2026
First-time buyer? Use the 2026 FTB Navigator.
Applies the $1.5M insurable cap, 30-year amortization carve-out, and stacks your FHSA + RRSP HBP into the down payment automatically.
Open the FTB Navigator →Leave blank or 0 if not applicable
Car loans, credit cards, student loans, etc.
%
Enter 0 if not applicable
Maximum Purchase Price
$487,865
Based on your income and debts
Maximum Mortgage
$387,865
Monthly payment: $2,255.84
GDS Ratio (Gross Debt Service)
32.47%StretchingMax: 39%
TDS Ratio (Total Debt Service)
38.47%StretchingMax: 44%
✓
Stress Test: You qualify
The qualifying rate is 7.00% (the higher of your rate + 2% or 5.25%). At this rate, your GDS is 38.00% and TDS is 44.00%.