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Bank statement income calculator
A quick, private way to see how deposits turn into monthly income. Estimate only.
The expense factor is set by the program you choose. Fifty percent is used as a starting example. Nothing you type here is stored or sent.
- Annual equivalent
- $0
- Eligible deposits
- $0
- After the expense factor
- $0
- Months averaged
- 12
Illustrative only. This is not a loan offer, quote or qualification. A lender decides which deposits count, which factor applies and how your ownership share is treated, and then reviews your credit, debts and property.
How to use the estimator
- Choose a 12 or 24 month window.
- Enter your total deposits for the window across the accounts you plan to use.
- Subtract anything that is not income, like moves between your own accounts.
- Try different expense factors to see how much the number moves.
- If you own part of the business, set your share.
What this estimator leaves out
A lender also reviews your credit, your monthly debts, your reserves and the property. It may exclude more deposits than you expect, apply a factor you did not choose, or require a letter before it uses any lower figure. Treat the output as a conversation starter and nothing more.
Why we show an ownership slider
If you own less than all of a business, only your share of the income is yours. Programs also tend to set a minimum share before they count business income at all, so confirm that with your loan officer.
Related
Want the real number?
A loan officer can review your actual statements and tell you which program fits.
Frequently asked questions
Is this calculator an approval or a quote?
No. It is a rough estimate to help you plan. Only a lender reviewing your full file can tell you what income will be used.
Why does my result look different from what a lender told me?
A lender may exclude deposits, use a different factor or count a different number of months. Small differences in those inputs make large differences in the output.