Free calculator
Bank statement income calculator
Type your monthly deposits and see the arithmetic published bank statement mortgage programs describe: the 12-month average, then that average at a 50% and a 100% expense factor. It is arithmetic on the figures you type, not a loan amount or a decision.
Runs in your browser. Nothing you type is sent to SoloSteady or stored.
The arithmetic on your figures
Enter at least one month to see the arithmetic.
Lenders decide
This calculator does arithmetic on numbers you type. It is not a loan offer, a borrowing amount, a decision or advice. Each lender decides which deposits count, which expense factor applies and what you can borrow. SoloSteady is not a lender and makes no lending decision.
What the calculator can and cannot see
It sees only what you type. It cannot tell a client payment from a transfer between your own accounts, a refund or loan money, and it cannot check whether a month is missing.
The $79 income summary reads the same 12 consecutive months from your bank, sets transfers and refunds apart from earned deposits, and labels every figure with its source and dates. You download it and submit it yourself.
Run the same arithmetic on your real deposits
Connect your bank and SoloSteady analyzes your real deposits across 12 consecutive months. You see the months and sources it found before you pay $79 one-time.