NorthWorth

Home Affordability Calculator

See how a home's full cost sits against your income, including the stress test.

Also available as an Excel template — $9

One-time purchase · 1 download · works in Excel and Google Sheets. Sample data below is not saved.

Your income and existing payments
$
$
$

Estimated monthly housing cost

$4,595

Share of gross income

44.2%

Housing + debts vs gross income

52.7%

Money left each month

$2,525

Share of take-home pay

57.4%

Housing cost divided by your net monthly income

Stress-test payment

$4,415

6.8%

Housing ratio at stress-test rate

51.5%

Stress-test verdict

Above common lender limits (GDS ≤ 39%, TDS ≤ 44%)

At the 6.8% qualifying rate: GDS 51.5% · TDS 59.9%.

Estimated maximum price

$418,000

With your current down payment and costs, at the qualifying rate.

These are factual calculations based on the numbers you entered. NorthWorth does not tell you whether you can or should buy a particular home — lenders apply their own qualifying rules, including a stress-test rate.

This platform provides financial planning tools and calculations for informational and educational purposes only. It does not provide financial, investment, tax, legal or mortgage advice. Results are based on user-provided information and assumptions. Contribution limits, tax rates and regulatory parameters reflect the rules in effect as of the latest update (2026) and may change; always verify official amounts with the CRA or a licensed professional.