Bank Statement Income Estimator — Self-Employed

Your deposit history

Use total deposits from your bank statements over the period — this mirrors how bank statement programs calculate income. Results update live.

Total deposits over the period ($)

Statement period

Account type

Expense factor — 50%

10%70%

Lenders apply their own expense factors — this is your estimate. Business accounts usually carry a higher expense factor than personal ones.

Estimated qualifying monthly income

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Average monthly deposits

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Expense factor used

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Lenders each apply their own expense factors and documentation rules; this is an educational estimate, not a qualification.

How to read your result

Bank statement programs qualify you on average monthly deposits minus an expense factor, instead of taxable income from tax returns:

Average monthly deposits = total deposits ÷ 12 or 24 months. Large, one-off transfers are typically backed out by the lender.
Expense factor = the percentage the lender assumes you spend to earn that income. Personal accounts often use a smaller factor; business accounts a larger one. Your actual factor is set by the program, not by you.
The range shows your estimate at ±10 points around your slider — because two lenders can look at the same statements and calculate different income.

Slide the expense factor to see how sensitive your qualifying income is to the lender's assumptions.

Authoritative sources

Bank statement programs are Non-QM products: expense factors, eligible deposits, and documentation rules vary by investor and are subject to change.

Related NonQM Rates resources

Bank Statement Loans — how bank statement programs work
1099 & Self-Employed — another path when tax returns understate income
Asset Utilization — qualifying on assets instead of income
DSCR Ratio Calculator — estimate coverage ratios for investors
Payment Scenario Comparator — compare loan terms side by side
How bank statement loans work — Q&A
What is a Non-QM loan? — Q&A
Bank Statement Loans Explained — the full guide

Reviewed by Vision One Mortgage, Inc. · NMLS #7861 · Last reviewed: October 2026

See what you actually qualify on. An estimate is a start — check your eligibility in 60 seconds or call 949-241-9489. NMLS #7861.

Guidelines change. Expense factors, eligible deposit types, and documentation requirements vary by investor and are updated regularly. This page is educational — confirm current guidelines with us before applying.