Home Affordability Calculator
Enter your income, down payment, and debts to see how much home you can afford under Canadian mortgage rules. Uses GDS (39%) and TDS (44%) ratios plus the OSFI stress test rate of max(5.25%, contract rate + 2%).
01 —INPUTS
Your Finances
02 —RESULTS
Affordability Results
Max Purchase Price
$456,675
Monthly Payment
$2,314
GDS Ratio
32.0%
Limit: 39%
TDS Ratio
38.0%
Limit: 44%
CMHC premium: $11,387 (added to mortgage)
Related Calculators
Land transfer tax
LTT/PTT by province including first-time buyer rebates
Principal residence exemption
PRE on sale of your home including partial years
Deemed disposition at death
Final-return capital gains + RRSP inclusion + probate with spousal rollover comparison
All calculators
Browse all Canadian tax and property calculators