Debt service against your income, calculated instantly
DTI counts only the mortgage's principal and interest plus the interest on other debts. DSR sums the principal and interest of every debt. That is why the same debts produce a much higher DSR than DTI.
Limits vary by bank, and some products (policy-backed loans, for instance) are exempt from the standard cap. 40% is a common reference, not an absolute rule.
A rule that adds an assumed future rate increase before calculating DSR. Variable-rate loans get a larger add-on. This calculator does not include it, so the real screening result can come out stricter than shown here.