Tools
Debt-to-income (DTI) calculator
Your debt-to-income ratio compares your monthly debt payments to your gross income. Lenders use it to gauge your ability to repay.
Your debt-to-income ratio
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The 36% and 43% marks are generic rules of thumb, not Canadian GDS/TDS mortgage thresholds.
Total debt payments: —. To dig deeper, read ourdebt-to-income ratio guide.
Estimates are illustrative only — real terms vary by lender.
Frequently asked questions
How is the debt-to-income ratio calculated?+
Add up all your monthly debt payments (housing, loans, credit cards, other), then divide that total by your gross monthly income. The result, expressed as a percentage, is your debt-to-income ratio.
What is a good debt-to-income ratio?+
As a rule of thumb, under 36% is considered healthy, 36%–43% calls for caution, and above 43% is treated as high by most lenders. These are common benchmarks, not hard rules.
Should I use gross or net income?+
Lenders typically use gross income (before taxes and deductions). To compare your ratio against their thresholds, enter your gross monthly income.
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