Free tool

Affordability
Calculator

See exactly what you can afford in any Canadian city using real GDS/TDS ratios from major lenders.

Your income

Annual gross income *

Co-applicant income (optional)

Down payment saved

Monthly debt payments (car, student loans, etc.)

Target city

How it works

GDS ≤ 32% — Gross Debt Service ratio: housing costs as % of income

TDS ≤ 44% — Total Debt Service ratio: all debts as % of income

Fill in your details and click
Calculate affordability to see your results.

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AffordabilityCalculator