Tools
Mortgage Stress Test Calculators and Tools
Short answer
Six free tools built on one set of dated rules. Start with the stress test calculator for a pass or fail at your price and what the test costs you. Then check your qualifying rate, GDS and TDS line by line, the income a price needs, renewal and switching, and how your household cash holds under shocks.
Stress test calculatorPass or fail at a price, the most you pass at, what the test costs you, and every lever solved.Open →Qualifying rate calculatorYour rate in, the rate you're tested at out, with both payments.Open →GDS and TDS at the qualifying rateEvery cost line a lender counts, at the qualifying and contract rates.Open →Income needed to passThe income any price needs, with a $400k–$1.5M table.Open →Renewal & switch checkerRenew, switch, or switch and borrow more: cost and stress test for each.Open →Household stress testYour real cash through rate, income and expense shocks, month by month.Open →
A couple earning $105,000 with $45,000 saved and $300 a month of other debts, looking at a $500,000 home at 4.12%.
| Income, savings, debts | $105,000, $45,000, $300/mo |
|---|---|
| Target price | $500,000 |
| Qualifying rate tool | 6.12%4.12% + 2 points |
| GDS/TDS tool at the target | GDS 39.9%, TDS 43.4%GDS over the limit |
| Income-needed tool | $107,600For $500,000 with this down payment |
| Stress test calculator | Most they pass at: $488,800The test removes $85,100 of buying power |
Each tool answers one part of the same question. The stress test calculator puts them together; the others let you look at one piece in detail.
Open this example in the calculator →Computed November 1, 2026.
