Tools
Free mortgage calculators for the self-employed
Put in your own deposits, P&L or 1099s and see the monthly income a lender would count, or what a write-off takes off your tax-return income.
Income calculator
$14,500$7,250
a month, on Omar’s example deposits
See the income a lender would count
Your deposits, a P&L or your 1099s, turned into the monthly figure a lender works from.
Write-off calculator
$12,000−$1,000
a year written off, a month of income a lender loses
See what a write-off costs you on paper
When a loan uses your tax returns, every dollar you deduct is a dollar less income.
Before you start
Have your paperwork open
Pull up 12 or 24 months of business bank statements, last year’s profit and loss, or your 1099s. Real figures beat round guesses.
Private by default
Nothing you enter is stored or shared, and there’s nothing to sign up for.
Planning numbers only
Each result is an estimate to plan with, not a quote, an offer or an approval. A loan officer still has to read your real file.