A sample income summary
This is the whole document, section by section, with invented figures in place of real deposits. It is the same layout and the same sections a buyer receives, so you can read it end to end before you connect a bank.
This summary covers twelve consecutive months of deposit activity in the bank records you provided. Each deposit was classified against recurring-income patterns, and non-recurring peer-to-peer transfers were set aside. The appendix (§ I–III) documents which deposits were included, how source concentration was measured, and how the historical range was computed. Every figure is an observation of the period analyzed; none is a projection.
- PAYERS
- 4
- DEPOSITS
- 74
- FREQUENCY
- IRREGULAR
The p5–p95 range of the 12 months analyzed, so ninety percent of those months fell inside it. Month-to-month variation: 12.6% — the standard deviation of those 12 monthly totals divided by their mean. This describes the period analyzed; it is not a projection or forecast.
This income summary is prepared for you, for your own use. It is not a consumer report, credit report, or tenant screening report, and SoloSteady is not a consumer reporting agency. SoloSteady does not send it to anyone.
Where these figures come from
The numbers below are a fixed set of synthetic deposits for an invented account holder at an invented bank. They are rendered by the same generator that produces the delivered PDF, so the sections and the arithmetic match. They describe no real account and no real person.
Page I — cover figures
This summary covers twelve consecutive months of deposit activity in the bank records you provided. Each deposit was classified against recurring-income patterns, and non-recurring peer-to-peer transfers were set aside. The appendix (§ I–III) documents which deposits were included, how source concentration was measured, and how the historical range was computed. Every figure is an observation of the period analyzed; none is a projection.
- Account holder
- Jordan A. Sample (invented)
- Institution
- Example Federal Credit Union (invented)
- Issued
- September 19, 2026
- Source
- Read-only bank connection · 1 account
QUALIFYING MONTHLY INCOME · 12-Month Average
$7,400.00
Period Analyzed Sep 2025 – Aug 2026
- Months covered
- 12 of 12
- Deposits counted
- 74
- Deposits set aside
- 4
- Payers
- 4
Source: synthetic deposit records · period September 2025 – August 2026
- Business account — figures may reflect 1099 / self-employment receipts rather than personal payroll.
- Single-account analysis — transfers between your own accounts could not be detected. For maximum accuracy, connect every checking and savings account at this bank.
Page I — consistency
Consistency
How evenly these deposits arrived
Six observations about the shape of the 12 counted months, Sep 2025 – Aug 2026. Each one is arithmetic over the monthly totals in this summary, not an opinion about them.
- Months at or above average
- 5 of 12
- Months below average
- 7 of 12
- Counted monthly average
- $7,400
- Longest unbroken run
- 12 months
- Observed monthly range
- $6,143 – $8,870
- Largest payer share
- 46% of 4 payers
- Highest counted month
- Jun 2026 · $9,200
- +24.3% vs 12-mo avg
- Lowest counted month
- Dec 2025 · $5,400
- -27.0% vs 12-mo avg
No month in the period was without counted deposits.
Source: counted deposits in the accounts you connected, Sep 2025 – Aug 2026. “Average” is the total of those months divided by their count, the same figure the ledger foots to.
This describes months that already happened. It is not a projection of any month to come, and a month above or below the average is not a better or worse month.
Page II — twelve-month ledger
| MONTH | DEP # | VS 12-MO AVG | TOTAL DEPOSITS |
|---|---|---|---|
| Sep 2025 | 6 | -1.4% | $7,300.00 |
| Oct 2025 | 5 | -7.4% | $6,850.00 |
| Nov 2025 | 7 | +9.5% | $8,100.00 |
| Dec 2025· LOWEST MONTH IN PERIOD | 4 | -27.0% | $5,400.00 |
| Jan 2026 | 6 | -6.8% | $6,900.00 |
| Feb 2026 | 6 | -0.7% | $7,350.00 |
| Mar 2026 | 8 | +16.2% | $8,600.00 |
| Apr 2026 | 6 | -4.1% | $7,100.00 |
| May 2026 | 5 | -8.8% | $6,750.00 |
| Jun 2026 | 8 | +24.3% | $9,200.00 |
| Jul 2026 | 7 | +5.4% | $7,800.00 |
| Aug 2026 | 6 | +0.7% | $7,450.00 |
| 12-MO AVG | 74 | $7,400.00 |
Observed across 12 of 12 months · Source: synthetic deposit records · period September 2025 – August 2026
Page II — quarterly rollups
| QUARTER | PERIOD | TOTAL | MONTHLY AVG |
|---|---|---|---|
| Q1 | Sep 2025 – Nov 2025 | $22,250 | $7,417 |
| Q2 | Dec 2025 – Feb 2026 | $19,650 | $6,550 |
| Q3 | Mar 2026 – May 2026 | $22,450 | $7,483 |
| Q4 | Jun 2026 – Aug 2026 | $24,450 | $8,150 |
Source: synthetic deposit records · period September 2025 – August 2026
Page II — income by payer
| PAYER | MONTHLY AVG | SHARE |
|---|---|---|
| Northwind Design Co | $3,400.00 | 46% |
| Contoso Media Group | $2,150.00 | 29% |
| Fabrikam Consulting | $1,200.00 | 16% |
| Adventure Works LLC | $650.00 | 9% |
Income Source Profile · Primary + secondary income · Mixed-employment profile — Concentration index 3,294 across 4 payers · top payer 46% of total deposits. Source: synthetic deposit records · period September 2025 – August 2026
Deposits set aside
Deposits the classifier set aside are itemized on the document rather than dropped silently, so a reader can see what was excluded and why. In this sample one group was set aside:
- Venmo · 4 deposits · $600.00 total — non-recurring peer-to-peer transfers, excluded from the headline figure
Page III — methodology appendix
§ I · Source & extraction
Deposits were read from bank-sourced records covering Sep 2025 – Aug 2026. Each deposit was tagged by originating payer. Non-recurring P2P transfers (Venmo, Zelle, Cash App) were isolated and excluded from the headline income figure.
§ II · Volatility, rhythm & source diversification
Coefficient of variation was computed on the monthly totals — the standard deviation of the 12 monthly totals divided by their mean, expressed as a percentage (12.6%). It describes how much this period's months varied from each other, and nothing beyond it. Source diversification is measured by Herfindahl-Hirschman Index (DOJ Antitrust Division).
§ III · What this summary is — and isn't
This summary is an observational record of deposit activity in the bank records you provided. It is not a bank statement, credit report, audited financial statement under AICPA auditing standards, employment verification, or a government-issued document. It has not been reviewed by a CPA and is not tax advice. You are responsible for the accuracy of anything you submit to a lender.
Expense-factor arithmetic
Bank statement programs apply an expense factor to the deposit average before reading it. The same arithmetic, on the deposits counted in this summary:
| Figure | Amount |
|---|---|
| Deposits counted | $88,200 |
| Monthly average | $7,350 |
| At a 50% expense factor | $3,675 |
| At a 100% expense factor | $7,350 |
Factors read from published program pages at Angel Oak, Griffin Funding, Deephaven Mortgage, checked 2026-09-21. Rules version 2026-09-22. Which factor applies to an account is the reading party's decision, not SoloSteady's. See the notice below. Source: synthetic deposit records · period September 2025 – August 2026
Page IV · Deposits worth explaining
Deposits worth explaining
Deposits worth explaining
Two things published bank statement programs commonly ask a written explanation for, found in the months this summary counts. Each is a fact about your own deposit record. Writing the explanation now is easier than writing it later.
Large deposits
- A deposit of $5,100 on Jun 11, 2026 from MERIDIAN BUILD GROUP INV 2291 is 0.7× your qualifying monthly income.
- A deposit of $4,200 on Mar 4, 2026 from CEDAR LANE HOLDINGS is 0.6× your qualifying monthly income.
Published bank statement programs commonly ask for a written explanation of a single deposit above half your monthly figure. The convention comes from the Fannie Mae Selling Guide's definition of a large deposit (B3-4.2-02, read 2026-09-22), which governs conforming loans rather than bank statement loans — bank statement programs are not sold to Fannie Mae, and inherited the threshold rather than the rule.
Deposits from a payer that appears in more than one counted month are not listed here. The same Selling Guide section says a source printed on the statement, such as a recurring payroll deposit, is not typically asked about.
Overdraft or insufficient-funds fees
Your statements show an overdraft or insufficient-funds fee in Dec 2025 and May 2026.
Published bank statement programs commonly ask about months carrying these fees. This summary records the month and nothing else — not the amount, not how many, not the description.
Every deposit listed here is counted as income in the figures above. Nothing on this page changes a figure.
Income by platform
Income by platform
Income by platform
Deposits from 2 platforms, consolidated across every account you connected. Each figure is the sum of counted deposits whose description names that platform, in the months this summary covers.
| Platform | Months | Total | Share |
|---|---|---|---|
| DoorDash | 12 | $22,100 | 25% |
| Upwork | 6 | $6,450 | 7% |
| All other payers | $60,250 | ||
| All counted deposits | $88,800 |
Month by month
| Platform | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DoorDash | $1,800 | $1,650 | $2,100 | $1,400 | $1,700 | $1,850 | $2,200 | $1,750 | $1,600 | $2,300 | $1,950 | $1,800 |
| Upwork | $900 | $1,200 | $800 | $1,500 | $1,100 | $950 |
Source: deposits in the accounts you connected, Sep 2025 – Aug 2026. A platform is named when its own name appears in the deposit description. A deposit is counted under one platform only, and the platform totals plus all other payers equal the total above exactly.
This is a record of where deposits came from. It does not state your employment status, who you work for, or the terms of any arrangement — a deposit does not show that.
Page I — tamper evidence
TAMPER EVIDENCE
This sample's document hash
sha256:8e0941978d7aac2d…
Compare this hash across pages and copies; any edit changes it. The hash is derived from the document's own contents, so every page and every copy of the same document carries the same value and an edit changes it. The value shown here belongs to this sample and to nothing else.
Disclaimers printed on the document
This income summary is prepared for you, for your own use. It is not a consumer report, credit report, or tenant screening report, and SoloSteady is not a consumer reporting agency. SoloSteady does not send it to anyone.
Scope of this summary. SoloSteady analyzed twelve consecutive months of bank-sourced deposit records you provided and evaluated them against consistency, source-diversification, and rhythm criteria defined in the methodology appendix (§ I–III). This document is an observational record; it is not a bank statement, credit report, audited financial statement under AICPA auditing standards, or a government-issued record.
This document is an informational summary generated by SoloSteady from bank transaction data returned by the account holder's financial institution through an authorized read-only connection. Income figures were computed by a deterministic automated analysis; AI (Anthropic Claude) was used only to draft the plain-language narrative, not to calculate any figure. No human underwriter reviewed the underlying transactions. This summary is not a certified financial statement, tax document, or legal instrument. SoloSteady does not guarantee the accuracy of the data returned by the financial institution. This document does not constitute financial, legal, or tax advice. Consult a qualified professional for advice specific to your situation.
Read it as a PDF
The same documents a purchase delivers, watermarked on every page so a copy cannot be passed off as anyone's real summary.
Income summary
The document itself: your average monthly income over twelve consecutive months, the month-by-month ledger, what was excluded and why, and how every figure was reached.
Deposit history
Every deposit counted toward those monthly figures, listed by date with its payer, and each month totalled.
Income and expense summary
The counted deposits set beside the withdrawals, grouped by the category the bank assigned them, month by month.
Document checklist
What published bank statement program pages name as documents the borrower supplies themselves, each credited to the page it came from and the date that page was read, with ruled space to fill in by hand.
Run this on your own deposits
Connect a checking or savings account and the same document is produced from your real deposits. $79 one time, and you download it and submit it yourself.