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Bank-Statement Loan Income Calculator

Estimate the income a self-employed buyer can qualify with from bank deposits.

Average of your business or personal bank deposits per month (lenders review 12 to 24 months).

Share of deposits treated as business expenses. Often ~50%, or your CPA's actual figure.

Your percentage of the business, if deposits are business account deposits. Use 100 for personal.

Existing car, card, and loan minimums, for the DTI check.

The DTI limit for your program. Enter your own.

Enter your numbers, then select Calculate.

This calculator is an educational estimate, not a loan approval, pre-qualification, or financial advice. Actual qualification depends on full underwriting of your credit, income, debts, and the property, and rates change daily. Serve First Realty is a licensed California real estate brokerage; Ashlar Lending arranges financing separately. Not tax advice.

Getting your numbers ready in California? Serve First represents you on the home, and Ashlar Lending Inc. (NMLS #2699657) matches you to the right loan program, one family, one team.

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Serve First Realty Inc. California DRE# 02133513 Roseville, CA

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All calculatorsSeventeen free tools.Guides by situationThirty-one topics across seventeen California regions.Talk to usGet help applying these numbers to your situation.