Bonus Commission and Overtime Income Calculator

210 Mortgage • Your next step

Want help understanding your mortgage income?

Organize your income and monthly obligations, then ask a mortgage professional to review the supporting documents.

Text a Question Start Your Preapproval

No texting app on this device? Text (210) 204-8249 from your phone.

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

210 MORTGAGE • SCENARIO TOOLS

Bonus Commission and Overtime Income

Use the bonus commission and overtime income calculator to compare historical variable-income averages with current YTD pace and identify changes that need documentation.

1. Completed historical period

Enter the matching values below. Amounts marked annual must cover a full year.

Enter an amount in dollars; use 0 when none applies.

Enter the complete months covered by the income or deposit figures above. Use the same period for all matching amounts.

2. Current YTD period

Enter the matching values below. Amounts marked annual must cover a full year.

Enter an amount in dollars; use 0 when none applies.

Enter the complete months covered by the income or deposit figures above. Use the same period for all matching amounts.

Enter an amount in dollars; use 0 when none applies.

No contact information required. Numbers stay in the browser unless you choose to share them in a review request.

Your scenario estimate

Complete the numbered sections, then select Calculate.

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 Bonus Commission and Overtime Income Calculator

Step 1: Completed historical period

Enter variable earnings received during the reviewed completed period and its actual months. Include bonus, commission, overtime or tips on a consistent basis; do not add base wages here.

Step 2: Current YTD period

Enter variable earnings and complete YTD months. The YTD pace is shown separately, not automatically added to or averaged with the historical period. Enter separately reviewed monthly base income if desired.

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

Historical variable average=historical earnings/historical months. YTD pace=YTD earnings/YTD months. Change=(YTD pace−historical average)/historical average when historical average>0. Combined adds separate base income only once.

Example calculation

Hypothetical example, not an available loan offer. Variable earnings $48,000 over24months produce $2,000 monthly; $9,000 YTD over6months produces $1,500 pace,25% lower.

How to interpret your results

The historical average is not an approved income amount. Current trends, frequency, receipt history and likely continuance may require a different usable figure.

Assumptions and factors that change the result

No automatic one/two-year documentation waiver, decline threshold, commission expense treatment, income continuance or agency eligibility determination.

Frequently asked questions

Does a two-year average override lower current income?

No. The tool compares historical averages with entered YTD pace. Declines and irregular earnings require a documented stability and continuance review before income is used.

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

Methodology sources

Guideline references checked October 6, 2026. Mathematical comparisons do not replace the applicable lender’s review.

210 Mortgage • Your next step

Want help understanding your mortgage income?

Text a Question Start Your Preapproval

No texting app on this device? Text (210) 204-8249 from your phone.

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