GDS and TDS calculation, done from the client’s documents
DeepFlow extracts income, debts and the down payment from the documents your client uploads, then calculates the gross debt service (GDS) and total debt service (TDS) ratios. You choose the income method and you approve the numbers.
Updated October 4, 2026
In brief
- Income, debts and down payment extracted from the documents, with no re-keying.
- GDS and TDS ratios calculated automatically.
- Several income calculation methods, at the broker’s choice.
- Every amount stays editable before approval.
GDS and TDS: a refresher
GDS (gross debt service) compares housing costs to the borrower’s gross income: mortgage payment, taxes and, where applicable, heating and condo fees.
TDS (total debt service) adds other debts to the housing costs: car loan, credit cards and lines of credit, personal loans.
Accepted limits vary by lender and insurer. That’s why the same file can pass with one and not with another, and why the income used makes all the difference.
The numbers come from the documents, not from re-keying
Amounts are extracted from the documents the client uploads and from their form answers, then brought together in a single view. Each cost shows its source: the payment comes from the loan amount and rate, the taxes from the property listing, the debts from what was declared on the form.
Several income calculation methods
The same borrower’s income doesn’t produce the same figure depending on the document used. DeepFlow calculates income several ways, and you keep the one that suits the file:
- the year-to-date pay stub;
- the previous year’s salary;
- the employment letter;
- the two-year average (T4 or notice of assessment);
- the hourly rate.
An example
Take a fictional file: a mortgage payment of $2,013 a month, $2,760 in municipal taxes and $300 in school taxes a year, and $400 in monthly debts. Here are the ratios depending on the income used.
| Income method | Annual income | GDS | TDS |
|---|---|---|---|
| Year-to-date pay stub | 84 000 $ | 32,4 % | 38,1 % |
| Employment letter | 82 500 $ | 33,0 % | 38,8 % |
| T4 and notice of assessment average | 79 200 $ | 34,4 % | 40,4 % |
Fictional file, for illustration only. Between the most and the least favourable method, the TDS moves by more than two points.
What you approve
DeepFlow prepares the calculations. It doesn’t recommend a product or decide on eligibility. You choose the method, you edit an amount if needed, and uncertain cases are flagged to you. You focus on interpretation and advice, not data entry.
GDS and TDS ratio calculation is included in all plans.
Frequently asked questions
What’s the difference between GDS and TDS?
GDS (gross debt service) compares housing costs to gross income. TDS (total debt service) adds the borrower’s other debts, such as a car loan or a credit card.
Where do the numbers used in the calculation come from?
From the documents the client uploads and from their form answers. Income, debts and down payment are extracted automatically, with no re-keying.
Can I change the income calculation method?
Yes. DeepFlow calculates income using several methods (year-to-date pay stub, previous year’s salary, employment letter, two-year average, hourly rate). You choose the one that fits, or you edit the amounts.
Does DeepFlow decide whether the client qualifies?
No. DeepFlow prepares the calculations and flags uncertain cases. The broker keeps the decision on analysis and recommendation.
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