Start with deposits you can document
Gather statements for the same period and identify transfers, one-time deposits, or borrowed funds. Ask the lender what supporting records it may need from your business or preparer.
Compare loan programsSelf-employed mortgage planning
Bank statement income calculator
Estimate average eligible deposits and modeled monthly income. Compare a personal or business statement estimate with a profit-and-loss figure.
Your estimate
Results
Enter your assumptions or load the example to see the estimate.
Inputs changed. Calculate again to update the estimate.
- Eligible deposits after exclusions
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- Average monthly eligible deposits
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- Modeled monthly income
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- Your monthly P&L figure
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For planning. A lender reviews the full scenario and determines actual terms or qualifying income.
Methodology
How the estimate works.
- Eligible deposits. Subtract transfers, loans, and other deposits you expect the lender may exclude, then divide by the number of months.
- Business statement estimate. Apply your chosen expense factor and ownership share to average monthly eligible deposits.
- Personal statement estimate. The model treats eligible personal deposits as already net of business expenses. The lender determines eligible deposits, the statement period, and which adjustments it uses.
Talk to Matthew & Cortney
Talk through your estimate.
Tell us how you earn income and which records you have. Use the mortgage application when you’re ready to share personal financial information.