Debt ratio (GDS/TDS)
The GDS (gross debt service) ratio measures housing costs (mortgage, taxes, heating) vs. your income. The TDS (total debt service) ratio adds your other debts. Lenders set limits (often 39% GDS, 44% TDS). This calculator shows where you stand.
Revenu
Your total income before taxes (all household wages, self-employment income, etc.).
Coûts de logement
Monthly principal and interest payment on the mortgage.
Monthly amount for school and municipal taxes.
Monthly heating cost (electricity, gas, oil, etc.).
Autres dettes
Monthly payments for other debts (car loan, credit cards, personal loans, etc.).
Results
The GDS (gross debt service) ratio = (mortgage payment + property tax + heating) ÷ gross income × 100. The TDS (total debt service) ratio = (same numerator + other monthly debt payments) ÷ gross income × 100. The 39% (GDS) and 44% (TDS) thresholds are commonly used by lenders; the status shows whether your ratios meet them.