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.

Months Entered0Rows with deposits entered
Total Deposits$0Gross deposits entered
Eligible Deposits$0Adjusted deposits total
Average Deposits$0Eligible deposits / months used
Ownership Factor0%Applied to average deposits
Monthly Income$0Estimated 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

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.

Bank Statement Mortgage Loan Income Calculators

Bank Statement Loan Scenario Form – No Credit Check

We have lenders that have dedicated Help Desk Scenario Service to preferred brokers that pre-underwrite and ascertain an income number (monthly income) in which to secure a bank statement without debt-to-income ratio (DTI) issues, alt doc approval same day (24 hours).