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24 Month Bank Statement Loan Calculator

24-Month Bank Statement Loan Calculator Bank Statement Loan Calculator Estimate qualifying monthly income from business or personal bank statements.

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

  • Adjusted deposits = total deposits - non-business related deposits.
  • Average deposits = total eligible deposits divided by months used. If you have not entered the full 12 or 24 months yet, the calculator uses months entered for live feedback.
  • Monthly income = average deposits × ownership percentage.
  • This tool is for estimation only. Final lender calculations may vary by guideline, statement type, and expense analysis.
Months Entered
0
Rows with deposits entered
Total Deposits
$0
Gross deposits entered
Eligible Deposits
$0
Adjusted deposits total
Average Deposits
$0
Eligible deposits / months used
Ownership Factor
0%
Applied to average deposits
Monthly Income
$0
Estimated qualifying income
Enter monthly deposit data to begin.

Monthly Statement Data

Adjusted deposits are calculated automatically. Ending balance can flow into the next month beginning balance.

# Month Year Total Deposits Non-Business Deposits Adjusted Deposits Beginning Balance Ending Balance NSF / Overdrafts Status