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.

12-Month Bank Statement Loan Calculator

Bank Statement Loan Calculator

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.

Statement End Month

Ownership Percentage

Calculator Type

12-Month Summary

Months Entered

filled months only

Total Deposits

gross deposits entered

Non-Business Deposits

excluded deposits

Adjusted Deposits

eligible deposit total

Base Monthly Income

average × ownership %

Final Monthly Income

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.