Bank Statement Income Analyzer

This bank statement income analyzer averages your monthly deposits over twelve months and applies a selectable expense factor to estimate qualifying income for non-QM bank statement mortgages. Enter each month's total deposits, choose personal or business methodology, and review the monthly and annual income figures before you talk to a lender.

Personal vs business accounts

Personal bank statement programs use a percentage of total deposits into a personal account. Business programs start with business account deposits and subtract an expense factor for operating costs.

Pick the account type that matches where your clients actually pay you. Do not mix internal transfers between accounts without your loan officer mapping the cleanest path.

What this estimate does not include

Large non-income deposits, NSFs, and inconsistent patterns still need human review. Reserves, credit, and property type sit outside this tool but matter for final approval.

Next steps

Compare your result to the housing payment on the property you want. If income looks tight, read the bank statement loans guide for documentation tips and the self-employed mortgage overview for alternative paths.

Average 12 months of deposits for bank statement loan qualification.

Loading analyzer…

Bank statement income worksheet

Use this checklist as you gather documents. Everything below is free to read and print — no signup required.

Enter all twelve months of total deposits in the grid above.
Mark any month with a gap or NSF for your loan officer.
List transfers between your own accounts to exclude from income.
Select personal vs business methodology with your officer before applying.
Confirm expense factor assumption matches your business type.
Compare net monthly income to proposed housing payment plus other debts.
Save the permalink from the address bar when finished.
Gather PDF statements that match the months you entered.

Frequently asked questions

How many months of deposits should I enter?

Most bank statement programs use twelve or twenty-four consecutive months. Enter every month in order; gaps or missing months may require explanation during underwriting.

Are all deposits counted as income?

No. Transfers between your own accounts, loan proceeds, and one-time gifts are typically excluded. The analyzer uses your totals as a starting point — your loan officer still reviews eligible deposits.

Can I save my scenario?

Inputs sync to the page URL. Copy the permalink from the address bar after you finish entering months to save or share the scenario.

Bank Statement Income Analyzer

Personal vs business accounts

Personal bank statement programs use a percentage of total deposits into a personal account. Business programs start with business account deposits and subtract an expense factor for operating costs.

Pick the account type that matches where your clients actually pay you. Do not mix internal transfers between accounts without your loan officer mapping the cleanest path.

What this estimate does not include

Large non-income deposits, NSFs, and inconsistent patterns still need human review. Reserves, credit, and property type sit outside this tool but matter for final approval.

Next steps

Bank statement income worksheet

Use this checklist as you gather documents. Everything below is free to read and print — no signup required.

Enter all twelve months of total deposits in the grid above.

Mark any month with a gap or NSF for your loan officer.

List transfers between your own accounts to exclude from income.

Select personal vs business methodology with your officer before applying.

Confirm expense factor assumption matches your business type.

Compare net monthly income to proposed housing payment plus other debts.

Save the permalink from the address bar when finished.

Gather PDF statements that match the months you entered.