Home Affordability Calculator

See the maximum home price you can realistically afford — not just the biggest loan a bank will show you. This calculator applies the correct qualifying rules for each country: Canada's GDS and TDS ratios plus the federal mortgage stress test, or the U.S. 28/36 debt-to-income guideline. Enter your income, existing debts, and down payment to see the monthly payment you'd qualify for and the home price it supports, including CMHC insurance or PMI on down payments under 20%.