GDS & TDS Calculator

Calculate your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to check mortgage qualification eligibility.

Annual Gross Household Income

Housing Costs (Monthly)

Mortgage Payment

Property Tax

Heating Costs

Condo Fees (50% counted)

Other Monthly Debt Payments

Car Payment(s)

Credit Card Min. Payments

Student Loan Payments

GDS Ratio✓ PASS

38.0%

Maximum allowed: 39%

Housing: $3,800/mo

TDS Ratio✓ PASS

44.0%

Maximum allowed: 44%

All debts: $4,400/mo

GDS (Gross Debt Service) = (Mortgage + Property Tax + Heating + 50% Condo Fees) ÷ Gross Monthly Income. Maximum 39%.
TDS (Total Debt Service) = All housing costs + all other debt payments ÷ Gross Monthly Income. Maximum 44%.

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Disclaimer: All calculations are estimates for informational purposes only. No data is collected or stored. Consult a qualified financial advisor before making financial decisions.