Bank Statement Income Calculator

Avg Monthly Deposits — 12-Month

Avg Monthly Deposits — 24-Month

Qualifying % (expense factor)

50%60%70%80%

Interest Rate

Est. Qualifying Income

12-Month vs 24-Month

12-Month

24-Month

Qualifying Income

Max Payment (43% DTI)

Est. Purchase Power

Lenders typically use whichever period produces the higher qualifying income. Purchase power assumes 20% down, 30-year term, 43% DTI, no existing debts.

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Get a full qualification review — credit, down payment, property type, and lender programs.

Check Your Eligibility Call (833) 350-9185

Estimate only. Actual qualification depends on credit score, down payment, existing debt, reserves, and lender program. Not a commitment to lend.

For a full breakdown of how qualifying income is calculated from bank deposits — expense factors, CPA letters, and which statement period lenders favor — see Bank Statement Loans for Self-Employed → .

Frequently Asked Questions

It applies the standard 12-month and 24-month deposit-averaging logic to your inputs and shows both results side by side. For the full breakdown — expense factors, CPA letter impact, personal vs business accounts, and which statement period lenders favor — see Bank Statement Loans for Self-Employed → .

This calculator shows both side by side so you can see the difference before you apply. Enter your average monthly deposits for each period and compare the qualifying income and purchase power columns. For guidance on which window lenders favor in your scenario, see Bank Statement Loans for Self-Employed → .

Ready to Apply?

This calculator gives you a directional income estimate. For a full qualification review — including credit, down payment, property type, and which lender programs apply to your scenario — talk to a specialist.

Check Bank Statement Loan Eligibility →

Call or text: (833) 350-9185

Learn more: Bank Statement Loans for Self-Employed · DSCR Loan Calculator · All Calculators