Bank Statement Income Calculator
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Need help evaluating bank-statement income?
Explore reviewed deposit income and debt ratios, then ask a mortgage professional to review the documentation and lender requirements.
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Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
Bank Statement Income
Use the bank statement income calculator to model reviewed bank-deposit income with excluded deposits, business expenses and ownership assumptions instead of a universal expense factor.
Your scenario estimate
Complete the numbered sections, then select Calculate.
- Period deposits after exclusions
- Modeled period expense deduction
- Modeled period net before attribution
- Net period attributed to borrower
No automatic expense factor, personal/business account treatment, eligible-deposit determination, ownership allocation or income approval. Negative net income is preserved.
Want me to review these numbers?
Send your question and, if you choose, attach these estimates for a personal scenario review.
Educational estimates, not approval, a rate quote or a commitment to lend. Entered rates are hypothetical modeling assumptions, not currently available 210 Mortgage rates. No APR calculation, future-rate forecast or automatic eligibility decision. User-entered fees, ratios and forecasts are assumptions. Results do not establish eligibility, a rate offer or an available credit limit. 210 Mortgage • Tyler Krug NMLS #219381 • Mortgage loans originated through My Community Mortgage, LLC NMLS #2408499 • Equal Housing Lender. See site licensing and disclosures.
How to Use the Bank Statement Income Calculator
Step 1: Statement period and deposits
Enter complete months and total deposits for that exact period. Enter transfers, duplicate deposits, borrowed funds and other non-income deposits to exclude, as reviewed by the lender. Avoid uploading account statements or account numbers into this tool.
Step 2: Expense and ownership assumptions
Enter the applicable lender-reviewed expense percentage and any additional expense dollars not covered by it. Enter your income attribution percentage; use100% when deposits already represent your attributed share. Do not apply a second haircut or ownership allocation automatically.
Calculate, compare and request a review
Choose Calculate to see your estimate. Change one assumption at a time and calculate again. Contact information is optional. Use the review form or Text a Question when you need help verifying the inputs.
How the Calculator Works
Eligible deposits=deposits−excluded deposits; expenses=eligible×entered expense%+additional expenses; net=eligible−expenses; attributed=net×attribution%; monthly=attributed/months. Additional expenses must not duplicate the percentage deduction.
Example calculation
Hypothetical example, not an available loan offer. $240,000 eligible deposits over12months with a reviewed40% expense assumption and100% attribution produce $12,000 monthly before any further lender adjustments.
How to interpret your results
This is a lender-assumption worksheet, not bank-statement underwriting. Deposit sourcing, business history, permitted account types and stability require review.
Assumptions and factors that change the result
No automatic expense factor, personal/business account treatment, eligible-deposit determination, ownership allocation or income approval. Negative net income is preserved.
Frequently asked questions
Do all bank deposits count as income?
No. Transfers, borrowed funds and other ineligible deposits may need exclusion. Expenses and attribution also require review. Enter reviewed totals; the tool cannot classify transactions or select a lender policy.
Do these results mean I am approved?
No. The tool calculates the entered scenario. Documentation, property eligibility, program rules and lender review remain separate.
What should I do when an input is uncertain?
Use a documented quote or clearly labeled planning assumption. Change one input at a time, calculate again, and request a review before relying on it.
Related 210 Mortgage guides
- Bank Statement Loans for Self-Employed Borrowers
- Bank Statement Loan vs. Conventional Mortgage
- Documents Needed for a Self-Employed Mortgage
Methodology sources
Guideline references checked October 6, 2026. Mathematical comparisons do not replace the applicable lender’s review.