export interface MortgageInputs {
    mortgageAmount: number;
    grossAnnualIncome: number;
    monthlyDebtPayments: number;
    propertyTaxMonthly: number;
    condoFees: number;
    heatingCost: number;
    interestRate: number;
    amortizationYears: number;
    isRentalIncomeEnabled: boolean;
    rentalIncomeMonthly: number;
}
export interface CalculationResults {
    monthlyMortgagePayment: number;
    monthlyHomeExpenses: number;
    monthlyIncome: number;
    gdsRatio: number;
    tdsRatio: number;
    stressTestRate: number;
    stressTestGDS: number;
    stressTestTDS: number;
    cashLeftGross: number;
    totalMonthlyHousingCosts: number;
}
export declare function calculateMonthlyMortgagePayment(principal: number, annualRate: number, amortizationYears: number, compoundingFrequency?: string): number;
export declare function calculateGDSRatio(monthlyMortgagePayment: number, propertyTaxMonthly: number, heatingCost: number, condoFees: number, monthlyIncome: number, condoFeeInclusionRate?: number): number;
export declare function calculateTDSRatio(gdsAmount: number, monthlyDebtPayments: number, monthlyIncome: number): number;
export declare function getStressTestRate(contractRate: number): number;
export declare function calculateAllRatios(inputs: MortgageInputs, compoundingFrequency?: string, benchmarkStressRate?: number, condoFeeInclusionRate?: number, rentalIncomePortionRate?: number, stressTestType?: 'contract' | 'b20', rentalIncomeMethod?: 'add-back' | 'offset'): CalculationResults;
export declare function calculateIdealMortgageAmount(targetGdsRatio: number, inputs: MortgageInputs, compoundingFrequency?: string, condoFeeInclusionRate?: number, rentalIncomePortionRate?: number, stressTestType?: 'contract' | 'b20', rentalIncomeMethod?: 'add-back' | 'offset'): number;
export declare function getStressTestStatus(gdsRatio: number, tdsRatio: number): {
    level: 'excellent' | 'good' | 'caution' | 'poor';
    color: string;
    message: string;
};
export declare function formatCurrencyDetailed(amount: any): string;