Free Calculator
Estimate your qualifying income and loan amount from your bank deposits — the way a bank-statement lender actually calculates it. Adjust the expense factor to match your program.
Estimate only. Lenders vary in how they count deposits and set the expense factor. Business-account programs may use a different ratio. Rates and DTI limits differ by lender.
A bank-statement lender totals your qualifying deposits over 12 or 24 months, applies an expense factor to approximate business costs, and averages the result into monthly qualifying income. That income — minus your other monthly debts, up to an allowable debt-to-income ratio — drives how much you can borrow.
Programs differ: personal-account programs often assume ~50% expenses; business-account programs may use a set percentage or your CPA's expense ratio. Learn more in what is a bank statement loan and how to apply.
Lenders total your qualifying deposits over 12 or 24 months and apply an expense factor (often around 50% for personal accounts, or your business's expense ratio) to estimate net income, then divide by the number of months.
It varies — personal-account programs often assume roughly 50% expenses; business-account programs may use a fixed percentage or your CPA's stated expense ratio. This calculator lets you set it.
No — it's an estimate to show roughly how deposits translate to qualifying income and payment. Your actual approval depends on the lender, credit, and full file.
Roughly your qualifying monthly income times an allowable debt-to-income ratio, minus other debts. Enter your numbers above for an estimate, then call us to confirm.
We shop bank-statement lenders to turn your real cash flow into the biggest possible approval. Free, no credit pull to start.