GDS & TDS Ratio Calculator

Lenders use two key ratios to qualify you: GDS (Gross Debt Service) measures housing costs vs. income, and TDS (Total Debt Service) adds in your other debts.

Before taxes and deductions.
e.g. mortgage payment + property tax + heating.
All non-housing debt payments.
Your Inputs
  • Monthly Income:
  • Housing Costs:
  • Other Debts:

Debt Service Ratios

Lender guidelines:
• GDS ≤ 39%
• TDS ≤ 44%

GDS:
% of monthly income used for housing.
TDS:
% of monthly income used for all debt.
Green = within guideline; red = exceeds.