Disclaimer: This calculator is a tool for informational purposes only and not a substitute for financial advice or pre-approval. GDS is calculated at 39%, TDS at 44% per standard lender guidelines. It includes mortgage principal and interest, estimated heating costs (defaulted to $2,000/year or ~$167/month), monthly condo fees (optional), and property taxes using the 2025 Calgary residential mill rate of 0.0061803. If you are purchasing a condo, please enter your monthly condo fees; otherwise, enter zero. Actual rates and approval will vary by lender and individual circumstances.