GDS & TDS calculator
GDS (Gross Debt Service) and TDS (Total Debt Service) are central to mortgage qualification. Model your numbers in real time.
payments
Gross annual income
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Include bonuses and commissions if they have been stable for about two years.
home_work
Housing costs (monthly)
Don't know your payment or taxes? Stay in Estimate mode: enter the target price and your down payment, we work out the rest.
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yrs
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Mortgage payment, property tax and heat are estimated automatically (tax ≈ 1%/yr of price, heat is a standard flat amount). Switch to "I know my numbers" to enter them yourself. Property tax varies by municipality.
credit_card
Other debts (monthly)
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