Mortgage Stress Test Calculator 2026
Find out if you pass the Canadian mortgage stress test and calculate the maximum home price you qualify for. Updated for 2026 rules.
Your Information
Before-tax combined income of all applicants
10.00% of purchase price — insured mortgage
Estimate from the listing
Gas, electricity, etc.
Car loans, credit cards, etc.
✗ You do not pass the stress test at a 6.50% qualifying rate.
Maximum qualifying home price with your down payment: $452,472
Insured mortgage (under 20% down) — stricter GDS/TDS limits apply.
Max Qualifying Mortgage
$392,472
Max Home Price
$452,472
GDS Ratio
41.96%
limit 32% — fail
TDS Ratio
41.96%
limit 40% — fail
Stress Test Breakdown
| Home price | $600,000 |
| Down payment | $60,000 |
| Mortgage principal | $540,000 |
| Contract rate | 4.50% |
| Stress test rate (max of contract + 2%, 5.25%) | 6.50% |
| Monthly payment at contract rate | $3,001 |
| Monthly payment at stress test rate | $3,646 |
| GDS ratio (limit: 32%) | 41.96% |
| TDS ratio (limit: 40%) | 41.96% |
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