Average the deposits
Start with eligible deposits for the statement period. Enter every month, including 0 when there were no eligible deposits.
Deposits ÷ selected period
For self-employed borrowers
Bank Statement Income Calculator
Your deposits tell a story. See how an expense adjustment and your ownership share change an estimated monthly income figure—then identify what needs a closer review.
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. Enter all 12 or 24 months. The average divides the total by the selected period, including explicit zero-deposit months. Blanks must be completed before calculating. Transfers, borrowed funds and other ineligible deposits may need to be removed. Expense factors and ownership treatment vary by lender. All figures are estimates, not a loan offer.
Settings
Your % ownership of the business
0–95%
Monthly Deposits
Enter recurring business revenue only: customer payments, sales receipts, merchant settlements. Exclude owner/internal transfers, loan proceeds, cash advances, refunds, and chargebacks.
Quick fill:
On a narrow screen, swipe or scroll sideways to see the deposits and average columns.
| Month | Deposits ($) | Avg |
|---|---|---|
| 0 / 12 months entered | $0 |
Estimated monthly income
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—
Avg Monthly Deposits
—
Gross average across the complete selected period
After Expense Factor
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—
Compare expense assumptions
Scroll the comparison sideways to see every column.
These settings illustrate sensitivity. They do not establish which expense factor a lender will accept.
| Factor | Gross Avg | After Factor | Qualifying |
|---|
Read this as an income estimate. It is not a borrowing limit or a lender-approved income figure. The selected expense factor and ownership share apply to the complete selected period, including explicit zero-deposit months. Confirm deposit eligibility, a complete statement period and the applicable formula.
Edit inputs ↑02 / Behind the estimate
Follow the numbers.
This model averages a complete 12- or 24-month period, including months entered as zero. It does not verify deposits or select a lender’s expense factor. Missing months must be completed before calculating.
Allow for expenses
Apply the selected expense percentage to the average. The balance is the model’s income before ownership.
Average × (1 − expense factor)
Apply your share
Multiply the remaining figure by the business ownership percentage you enter.
After expenses × ownership
Income estimate, not a borrowing limit
The highlighted result is a monthly deposit-based estimate. It does not calculate a mortgage payment, DTI, approval amount or the lender’s final income figure.
A larger result needs supporting records
Changing an expense percentage shows sensitivity. It does not make that percentage acceptable to a lender. Account type changes the guidance here; it does not automatically change the formula.
03 / The details that matter
What changes your result?
Keep the formula and the real-world review connected.
Deposit eligibility
Transfers and borrowed funds can inflate a deposit total without representing business revenue. Review unusual credits before relying on the average.
Statement period
The same business can look different across 12 or 24 months. Look for growth, seasonality and missing months.
Expense adjustment
A lower expense assumption produces a higher estimate. Use supportable costs, not the percentage that produces the desired answer.
Ownership share
The model applies the share you enter after expenses. Ownership documentation and lender methodology still matter.
Compare the expense assumptions.
| Expense factor | Share remaining before ownership | Example: $20,000 average deposits |
|---|---|---|
| 50% | 50% | $10,000 / month |
| 40% | 60% | $12,000 / month |
| 30% | 70% | $14,000 / month |
| 20% | 80% | $16,000 / month |
- Expense factor
- 50%
- Share remaining before ownership
- 50%
- Example: $20,000 average deposits
- $10,000 / month
- Expense factor
- 40%
- Share remaining before ownership
- 60%
- Example: $20,000 average deposits
- $12,000 / month
- Expense factor
- 30%
- Share remaining before ownership
- 70%
- Example: $20,000 average deposits
- $14,000 / month
- Expense factor
- 20%
- Share remaining before ownership
- 80%
- Example: $20,000 average deposits
- $16,000 / month
Arithmetic examples assume 100% ownership. These are the calculator’s comparison settings, not a promise of lender acceptance. Business and personal accounts need a separate documentation review.
04 / Questions answered
Bank Statement Income questions, answered.
01
Using the calculator
Build a representative deposit sample.
What does this bank statement calculator estimate?
It estimates monthly income from entered deposits, an expense adjustment and your ownership share.
It does not analyze statements, verify income or decide whether you qualify. Use the estimate to understand the assumptions before a lender-specific review.
Return to the calculatorShould I use 12 months or 24 months of deposits?
Compare complete periods that reflect how the business earns money.
A shorter period can reflect recent changes; a longer period can reveal seasonality. The lender determines which documentation period is acceptable. Selecting 24 months here does not make six entered months a 24-month review.
Return to the calculatorWhat deposits should I include in this calculator?
Start with business receipts that can be explained and documented.
Review transfers, borrowed funds, refunds and unusual one-time credits separately. This tool cannot identify eligible deposits for you. Avoid counting a transfer once in a business account and again in a personal account.
Explore bank statement financingWhat happens if I leave months blank or enter zero?
A blank month blocks the estimate; an explicit zero is included in the selected period.
Unknown deposits are not the same as zero deposits. Complete all 12 or 24 months before comparing the estimate with a lender’s review.
Return to the calculator02
Understanding the estimate
Know which assumptions change the number.
What is the expense factor and why does it matter so much?
The expense factor is the share of deposits removed for business expenses in this model.
At a $20,000 average, a 50% factor leaves $10,000 before ownership; a 30% factor leaves $14,000. A lender needs to accept the expense treatment and supporting records.
Return to the calculatorHow does ownership percentage affect the result?
This model multiplies the income remaining after expenses by your ownership percentage.
For example, $10,000 after expenses becomes $5,000 at 50% ownership. That arithmetic does not establish how a lender will treat every business structure.
Return to the calculatorHow is a bank statement calculator different from a traditional mortgage calculator?
This tool estimates income; a payment calculator estimates the cost of a loan.
It does not calculate taxes, insurance, monthly debts or DTI. Use the housing-cost calculator to explore a payment budget alongside the income discussion.
Explore monthly housing costsDoes choosing personal accounts change the math automatically?
No. The selected expense factor and ownership share still drive this calculator’s formula.
The account selector changes the guidance, not the numeric treatment. Personal and business statements may be reviewed differently by a lender; confirm the applicable method rather than assuming all personal deposits count.
Return to the calculator03
From estimate to review
Bring the evidence behind the deposits.
Why might a lender’s income calculation be different from this calculator’s result?
A lender can use different eligible deposits, expense assumptions, periods and documentation rules.
A full review can remove transfers or other ineligible credits and evaluate the business history. The displayed estimate is a starting point, not a verified income figure.
Return to the calculatorCan this calculator tell me my pre-approval amount or whether I am approved?
No. It does not determine a pre-approval amount or loan approval.
The full scenario includes credit, debts, down payment, reserves, occupancy and property details, as well as income documentation.
Ask about your scenarioWhat if my tax returns show a different income figure?
Compare the documented methods rather than assuming the higher estimate is the better loan option.
Tax-return income can include reviewed adjustments. Compare loan costs and requirements as well as the income figure.
Compare bank statements and tax returnsWhat should I prepare for an income review?
Bring the statement period, ownership details and an explanation of business receipts and costs.
A profit-and-loss statement or accountant’s explanation may help the discussion, but the lender determines what documentation it needs.
Compare income approaches05 / From estimate to conversation
Bring the questions behind the numbers.
Use these topics to prepare a focused review of your situation.
Statement history
What we review: The full statement period and deposit trend.
Why it matters: Missing or unusually strong months can distort a partial average.
What to prepare
Complete statements and explanations for seasonal or unusual months.
Eligible deposits
What we review: Business receipts, transfers and irregular credits.
Why it matters: Deposits are not automatically qualifying revenue.
What to prepare
A list of transfers and significant one-time credits.
Expenses and ownership
What we review: Operating costs and your share of the business.
Why it matters: Both affect the model’s income estimate.
What to prepare
Ownership records and available business expense information.
Other income paths
What we review: Whether other records better describe your income.
Why it matters: The largest modeled number does not necessarily produce the best loan.
What to prepare
Tax returns, 1099s or a reviewed P&L if available.
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