---
title: Calculators
description: Use NgoniFinance mortgage calculators for payment, affordability, and GDS/TDS planning.
---

Mortgage tools

# Mortgage calculators

Use these tools to estimate payments, affordability, and debt-service ratios. Then book a free consultation to turn the numbers into a mortgage strategy that fits your goals.

## Payment Calculator

Estimate your monthly mortgage payment based on home price, down payment, rate, and amortization.

[Open calculator](https://www.ngonifinance.com/payment-calculator?hsLang=en)

## Affordability Calculator

Estimate how much home you can comfortably afford based on your income, debts, and available down payment.

[Open calculator](https://www.ngonifinance.com/affordability-calculator?hsLang=en)

## GDS/TDS Calculator

Estimate your gross debt service and total debt service ratios to understand how lenders may view your application.

[Open calculator](https://www.ngonifinance.com/gds-tds-calculator?hsLang=en)

## Want help interpreting the numbers?

A calculator gives you a starting point. I can help you compare lender options, down payment strategies, and stability plans based on your real file.

[Book a free consultation](https://www.ngonifinance.com/meetings/ngoni?hsLang=en)