Self-Employed Mortgage Calculators
Free tools that estimate your qualifying income and buying power the way a non-QM underwriter actually does it. No sign-up required.
Bank Statement Income Calculator
See the qualifying income a lender would use from 12 or 24 months of business or personal bank deposits — the way bank statement loans actually work.
Open Calculator →LiveSelf-Employed Affordability
Estimate how much home you can afford when your income comes from deposits or net profit instead of W-2 pay stubs.
Open Calculator →LiveAsset Depletion Calculator
Turn liquid assets — savings, brokerage, retirement — into the monthly qualifying income an asset-depletion loan would credit you.
Open Calculator →Live1099 Income Calculator
Estimate qualifying income from 1099 contractor earnings after a lender applies an expense factor — no tax returns required.
Open Calculator →LiveMortgage Payment Calculator
Calculate principal, interest, taxes, and insurance on any loan amount and rate — useful once you know your qualifying income.
Open Calculator →Tools That Pair with Our Calculators
Free tools we recommend for self-employed borrowers.
myFICO
→See the FICO scores lenders actually use
Mortgage lenders pull specific FICO score versions — not the VantageScore most free apps show. myFICO lets you monitor those exact scores before you apply, so there are no surprises at underwriting.
QuickBooks Solopreneur
→Bookkeeping for the self-employed
Keep your business income and expenses organized year-round. Clean books make it far easier to document qualifying income for a bank statement or P&L loan.
Found
→Banking + bookkeeping for the self-employed
A business banking account built for freelancers and sole proprietors, with bookkeeping and tax tools baked in. Consistent deposits into one account make bank statement underwriting cleaner.
Keeper
→Track 1099 write-offs automatically
Automatically finds tax write-offs from your business spending. Helps 1099 earners understand the gap between gross income and the net a tax return shows.
Free: Self-Employed Mortgage Prep Checklist
The documents, credit moves, and income math to line up before you apply — so a lender qualifies you on what you really earn, not just your tax return.
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