Affordability Calculator

Estimate your maximum purchase price based on income, down payment, and existing debts — using the federal stress-test framework.

Before you shop, know your ceiling. This estimates the most you can borrow under the federal stress-test rules, based on your income, down payment, and existing debts. A pre-approval confirms it against your real file.

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Annual household incomeMonthly debt paymentsCar loans, credit cards, lines of credit, etc.Down payment

$783,350

Maximum purchase price

Maximum mortgage: $683,350
Down payment: $100,000
Binding ratio: GDS

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Terms, in plain language

Stress test: A federal rule that qualifies you at a higher rate than your actual one, to make sure you could still afford payments if rates rise.
GDS (Gross Debt Service): The share of your income that goes to housing costs — mortgage, property tax, and heat. Lenders typically cap this around 39%.
TDS (Total Debt Service): The share of your income that goes to ALL debt — housing plus car loans, credit cards, and lines of credit. Usually capped around 44%.