Plan with clarity
Estimate income from personal or business bank statements and explore a monthly housing budget. No bank upload or account details are needed.
Starting values are examples, not current rates or lending terms.
No sign-up required. Calculations run in your browser. Saved scenarios last only while this page stays open.
Understand the numbers
Change an assumption above to see what moves the result. Save a scenario to compare it with your next calculation.
Put the estimate to work
Choose the statement period and enter total deposits across that entire period. Subtract amounts that should not represent recurring income, such as transfers between your own accounts or borrowed funds. The calculator averages the remaining deposits; it does not determine which deposits a lender will accept.
Business statements can show gross revenue before operating expenses. The business model applies your expense factor and ownership share. Personal mode assumes eligible deposits already represent personal income after business expenses, so it does not apply that business expense deduction again.
Add other eligible income and monthly debts, then enter a DTI target. The result estimates room for the complete housing payment, not just principal and interest. Actual review may consider income trends, business history, expense documentation and reserves. For a Florida purchase, include property-specific insurance and tax estimates before comparing homes.
Business monthly income = (period deposits − excluded deposits) ÷ statement months × (1 − expense factor) × ownership share.
A simple example. For $360,000 in annual deposits, $24,000 excluded deposits, a 50% expense factor and 100% ownership, estimated monthly statement income is $14,000.
Calculation model reviewed September 8, 2026. Examples are hypothetical.
Common questions
Use the estimate to prepare your questions, then review the property, documentation and financing terms with a mortgage broker.
Schedule a consultationNo. It illustrates an income calculation and a budget under your assumptions. A lender must review deposit eligibility, documentation and the full loan scenario.
Use a complete period matching the documentation being considered. Divide the total deposits by that same number of months. Do not enter a monthly deposit figure as the entire period total.
Use an expense assumption that can be supported for your business and reviewed by the lender. The starting value and sensitivity table are examples, not available program tiers.
No. This tool uses manually entered amounts and calculates in your browser. Do not enter account numbers or other sensitive financial identifiers.
Dive into the realm of bank statement mortgages in Florida, a vital resource for self-employed individuals. These loans offer a flexible approach to.
Read guide
Explore Florida bank statement loan rates, non QM mortgage options, and qualification guidelines for self employed borrowers using alternative income.
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