Gravitational time dialation outside a non-rotating sphere

t

_{o}= t

_{f}(1-2GM/(rc

^{2}))

_{1/2}

if t

_{o}= planck time

t

_{f}= the age of the universe

r = planck distance

solve for M to find the smallest amount of mass that could possibly create a black hole

M

_{s}= 1.09 X 10

^{-8}kg

Density = M

_{s}/V

_{s}= 6.15718 X 10

^{95}kg/m

^{3}

Is that the most dense that anything could be in the universe?