off to $0 [ ? ] This entry was posted on Saturday, May 15th, 2010 at 3:05 pm and is filed under finances . You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response , or trackback from your own site. I thought I'd check this out to see what I might get and at first I had the same dismal results (despite already having a mortgage with RBC). Then I noticed that the housing costs need to be entered as monthly, and I had entered the total for the year by mistake. That seemed to fix things for me. Hopefully that improves your results as well. That is hilarious, but it cannot possibly be right. Just to see, I went to the TD Canada Trust "How much can I afford" tool, and plugged in your numbers (based on conversations we've had on debt repayment -- I ballparked it). Based on that (and down payment of $20k), they will lend you $180k for a property with a 25 year amortization, bi-weekly payments of $783. @Dan -- Nope, I put in the housing costs as monthly! The problem is my student loan debt, combined with the fact that RBC calculator counts your credit card and line of credit limits as if you owe all that money, which I don't. I don't carry a balance on my credit cards and I've never once touched my line of credit (I got it as a safety