List the accounts
Enter balances for checking, savings, investment and retirement accounts without counting the same funds twice.
Account balance
Income planning from eligible assets
Asset Depletion Calculator
See how your accounts could translate into an estimated monthly income figure. Compare three calculation periods and understand how account treatment affects the result.
No contact details needed to calculate.
01 / Your numbers
Start with your assumptions.
Review the labels and units, calculate, then use the explanation below to understand the result.
Know the assumptions. The asset discounts and 60-, 84- and 120-month periods are illustrative. Some programs use different periods, reserves and account-access rules. This tool uses different retirement discounts from the asset qualification model. All figures are estimates, not a loan offer.
Asset Account Balances
Depletion Term| Account Type | Balance | Usage Rate | Monthly Income | Remove |
|---|
Estimated monthly asset-derived income
$0.00
Divided over 60 months
Total Usable Assets
$0
After usage-rate adjustments
Annual Equivalent
$0.00
Monthly × 12
Compare 60, 84 and 120 months
Scroll the comparison sideways to see every column.
| Term | Usable Assets | Monthly Income | Annual Income |
|---|---|---|---|
| 60 months | — | — | — |
| 84 months | — | — | — |
| 120 months | — | — | — |
Income for a separate DTI review. This formula estimates income from assets; it does not calculate the complete debt-to-income ratio. Closing funds, reserves, account access and other income need separate review. Other lenders may use different percentages or periods.
Edit inputs ↑02 / Behind the estimate
Follow the numbers.
This illustrative formula applies account-type percentages and divides usable assets over 60, 84 or 120 months. It does not deduct cash to close or calculate a complete DTI. Lender methods can be more conservative or more flexible.
Apply the usage rate
The example formula uses a percentage of each account based on its type.
Balance × usage rate
Compare the periods
Divide the total usable assets by the selected number of months.
Usable assets ÷ months
Estimated income for a DTI review
Asset depletion converts eligible assets into an estimated income amount. A lender then considers that income with other eligible income and debts to calculate DTI. This tool does not perform that complete calculation.
A formula, not an instruction to withdraw
The monthly figure is a mathematical allocation. It does not mean the account earns that return or instruct you to liquidate assets. Actual accessibility and lender requirements need a separate review.
03 / The details that matter
What changes your result?
Keep the formula and the real-world review connected.
Account mix
This model uses 100% of cash, 80% of investments and 60% or 80% of retirement balances.
Calculation period
The same usable balance produces a larger monthly figure over fewer months. A shorter period is not automatically an available lender option.
Access to the funds
Retirement restrictions, pledged funds and documentation can affect how an account is reviewed.
Money needed at closing
This tool does not separately subtract closing costs or reserves. Discuss how the lender handles funds needed for the transaction.
What this example formula uses.
| Account type | Usage rate |
|---|---|
| Checking and savings | 100% |
| Brokerage and investments | 80% |
| Retirement — under 59½ | 60% |
| Retirement — 59½ and over | 80% |
- Account type
- Checking and savings
- Usage rate
- 100%
- Account type
- Brokerage and investments
- Usage rate
- 80%
- Account type
- Retirement — under 59½
- Usage rate
- 60%
- Account type
- Retirement — 59½ and over
- Usage rate
- 80%
These are the tool’s settings, not universal lender rules. Account access and documentation can change the applicable treatment.
04 / Questions answered
Asset Depletion questions, answered.
01
Using the calculator
Start with the accounts and a clear period.
What is an asset depletion calculator and what does it estimate?
It estimates monthly income by applying account percentages and dividing usable assets over a selected period.
This is an illustrative lender-style formula, not investment earnings, a withdrawal schedule or a mortgage approval.
Return to the calculatorWhat asset types should I enter into this calculator?
Enter the liquid account types listed in the tool: cash, investments and retirement accounts.
Do not treat business equity or property equity as cash in this calculation. Avoid duplicate accounts, and flag funds pledged elsewhere or unavailable for withdrawal.
Return to the calculatorWhy are different usage rates applied to different account types?
The formula uses different percentages to reflect different account treatment.
Cash, market investments and retirement funds are not identical in accessibility or valuation. The selected percentages illustrate one approach; a lender may use another.
Return to the calculatorDoes the calculator subtract my down payment and closing costs?
No. There is no separate cash-to-close deduction in this tool.
Tell the team which assets you expect to use at closing so the lender can apply its own remaining-asset and reserve rules. Do not mistake this result for a post-closing liquidity check.
Compare asset qualification02
Understanding the result
Keep the income estimate separate from approval.
How does the depletion term affect the monthly income estimate?
A shorter period produces a larger monthly estimate from the same usable balance.
For $600,000 of usable assets, 60 months gives $10,000 monthly; 120 months gives $5,000. The comparison does not establish which period a lender accepts.
Return to the calculatorCan retirement accounts be used in an asset depletion calculation?
This tool includes retirement accounts using its age-based example percentages.
Actual account eligibility depends on the lender’s method and access to the funds. The age categories alone do not establish that a withdrawal is available or free of taxes or penalties.
Return to the calculatorDoes this calculator mean I need to actually spend down my assets?
No. The result is an income estimate, not a recommendation to spend or liquidate the accounts.
Discuss any actual funding or access requirement separately before moving assets. The formula also does not predict returns or changes in market value.
Return to the calculatorHow does asset depletion differ from asset qualification?
Asset depletion estimates income for a DTI review; the asset qualification tool uses a different asset and residual formula.
These examples also use different retirement percentages: depletion counts 60% under age 59½, while qualification counts 50%. The difference reflects the sample formulas, not a calculation error. Our asset qualification example considers cash to close, an asset floor and a residual check, rather than using a traditional DTI calculation. Neither tool establishes approval.
Explore the asset qualification calculator03
From estimate to review
Compare the formula with your complete situation.
How accurate is this asset depletion calculator compared with lender review?
It accurately illustrates its stated formula, but a lender’s figure can differ.
Usage percentages, periods, documentation, closing funds and reserve rules can change the result. Ask the team which approach fits the accounts and transaction.
Return to the calculatorDoes this result mean I am approved or qualified?
No. It is one income estimate, not a full qualification decision.
A complete review also considers the loan, debts, property, credit, reserves and documentation.
Return to the calculatorWhat should I do if my estimated asset depletion income looks too low?
Review the account mix and the formula before assuming the scenario cannot work.
Different periods or account treatment may produce a different estimate, but must be accepted by the applicable lender. Another documentation approach may also deserve review.
Explore a deposit-based income estimateCan asset depletion be combined with other income sources?
Other documented income may be relevant, depending on the lender and program.
This tool does not add salary, pension, Social Security or rental income to the asset-derived figure. Bring all relevant income information so the team can review permitted combinations.
Ask about your income sources05 / From estimate to conversation
Bring the questions behind the numbers.
Use these topics to prepare a focused review of your situation.
Account mix
What we review: Account types and current balances.
Why it matters: The formula treats different accounts differently.
What to prepare
Recent statements and a list of any pledged or restricted funds.
Period and formula
What we review: The usage percentages and calculation period.
Why it matters: The same assets can yield different income estimates.
What to prepare
Your estimate and any lender-provided calculation you want to compare.
Closing funds and reserves
What we review: What will remain after transaction costs.
Why it matters: This calculator does not make a separate closing-cost deduction.
What to prepare
Expected down payment, closing costs and reserve needs.
Income and debts
What we review: Other income sources and monthly obligations.
Why it matters: The asset-derived figure is only part of a DTI review.
What to prepare
Income documentation and current monthly debt payments.
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