Debt-to-Income Calculator
Calculate your DTI ratio to understand your financial health. Canadian lenders typically look for a TDS ratio under 36-44%.
Income
$65,000.00
$20,000$250,000
Monthly Debt Payments
$
$
$
Total Monthly Debt$900.00
Your DTI Ratio
16.6%
Excellent
Monthly Income$5,416.67
Total Monthly Debt$900.00
Remaining Capacity$1,050.00
DTI Scale
0%20%36%43%100%
You have a healthy debt load and should qualify for competitive rates.
Canadian Guidelines
Under 20%Excellent
20% – 36%Good
36% – 43%Fair
Over 43%High Risk
DTI is one factor lenders consider. Credit score, employment stability, and down payment also affect approval. Most Canadian lenders cap TDS at 44% for insured mortgages.