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12 Month Bank Statement Loan Calculator

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12-Month Bank Statement Loan Calculator

Bank Statement Loan Calculator

Estimate qualifying monthly income from business or personal bank statements. Enter monthly deposits, subtract non-business deposits, and apply your ownership percentage to calculate estimated income for DTI qualification.

How It Works

  • Enter the statement start month, ownership percentage, and monthly deposit details for each month.
  • Adjusted deposits are calculated automatically as total deposits minus non-business related deposits.
  • Average monthly adjusted deposits are multiplied by ownership percentage.
  • The final estimated monthly income shown below includes an added 15% increase.

12-Month Summary

Months Entered
0
filled months only
Total Deposits
$0
gross deposits entered
Non-Business Deposits
$0
excluded deposits
Adjusted Deposits
$0
eligible deposit total
Base Monthly Income
$0
average × ownership %
Final Monthly Income
$0
base income + 15%

Months Entered

Enter monthly statement data below. Adjusted deposits calculate automatically.

# Month Year Total Deposits Non-Business Deposits Adjusted Deposits Beginning Balance Ending Balance NSF / Overdrafts
Tip: if an ending balance is entered, it will auto-fill the next row’s beginning balance when that field is blank.