Max House Affordability Calculator (Canada 2026)

Important: This tool provides general estimates only. It is not personalized financial or tax advice. Always verify your contribution room, tax rates, and limits through CRA My Account. Results depend on many variables and assumptions. Consult a qualified financial advisor or the Canada Revenue Agency.

Uses GDS ratio ≤32% and TDS ≤44% (common Canadian lender guidelines). Stress test not included. CMHC insurance not factored in affordability. Estimates only — not advice. Verify with lender. Rates and rules change.

Gross Annual Household Income($)

Total Monthly Debt Payments (loans, credit cards, etc.)($)

Down Payment Amount($)

Annual Interest Rate(%)

Amortization Period(years)

Estimated Annual Property Tax($)

Estimated Monthly Heating Costs($)

Ready when you are!

Enter your values to see projected results.

Results update automatically as you type. This is an estimate only.