🇺🇸 US max 43% DTI🇬🇧 UK affordability test🇨🇦 TDS ≤44% GDS ≤39%🇦🇺 Australia income-based
Debt-to-Income Ratio Calculator
Your DTI ratio is the key metric lenders use to approve mortgages and loans. The US uses a hard 43% limit, Canada uses TDS/GDS, and the UK uses an affordability stress test — understand which applies to you.
📊 US standard: Max DTI for conventional mortgage is 43–50%. UK: No fixed limit, but lenders stress-test at higher rates. Canada: TDS ≤ 44%, GDS ≤ 39%.
DTI / Affordability Rules by Country
| Country | Max DTI / Ratio | Method |
|---|---|---|
| 🇺🇸 United States | 43% (conv.) / 57% (FHA) | All monthly debt ÷ gross monthly income |
| 🇬🇧 United Kingdom | No fixed limit | Stress test at +3% rate; typically 4–4.5× income |
| 🇨🇦 Canada | TDS ≤44%, GDS ≤39% | GDS = housing costs ÷ income; TDS = all debt ÷ income |
| 🇦🇺 Australia | No fixed limit | Net income surplus; HEM benchmark for living costs |
| 🇩🇪 Germany | Generally ≤35% | Income minus expenses; SCHUFA credit score matters |