Loan prep tool
Bank statement loan calculator
Enter deposits, debt, and underwriting assumptions to get a rough affordability estimate before you upload real statements.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
Estimate the deal size before you touch the full file
This free version gives you a manual affordability estimate. It stays intentionally narrow so the paid flow still owns the heavy lift: statement parsing, debt detection, and multi-month analysis.
Manual affordability inputs
Good for a fast estimate before you upload real statements.
Average monthly deposits visible on your statements.
Car loans, cards, student loans, personal loans.
Property tax plus homeowners insurance.
Non-QM bank statement estimate for the note rate.
The DTI cap you want to underwrite to.
How much cash you expect to put down.
Most common lender haircut
Bigger max loan
Based on $12,000/mo deposits, a 50% expense factor, and a 43% DTI cap.
After lender-style expense haircut.
Everything available for mortgage + tax + insurance.
Derived from the selected down payment.
Estimated down payment only.
Common lender range
This is useful for sizing the deal. The paid flow becomes useful when you want the number grounded in real statement deposits, actual recurring debt payments, and merged multi-month files.
Natural next step
Turn the rough estimate into a statement-backed analysis
The calculator is useful for a rough number. The product becomes useful when you want real deposit detection, recurring debt cleanup, merged statements, and an exportable report you can actually work from.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement for a full statement analysis.
Built for bank statement math
Uses lender-style income haircuts instead of pretending 100% of deposits are usable.
Closer to underwriting reality
Keeps the estimate tied to DTI, debt load, term, rate, and down payment instead of one fake headline number.
Useful as a first filter
Gives you a fast go / no-go read before you move into the real document workflow.
Who this tool is for
Built for the moments before the full underwriting workflow begins.
Self-employed borrowers
Useful when tax returns understate usable income and statement deposits matter more for a first-pass estimate.
Mortgage brokers
Fast enough for intake calls before you spend time packaging the file for a lender.
Real estate buyers
Helpful when you want a rough affordability number before sending the full document stack anywhere.
Loan processors
Good for sanity-checking whether the deposit story is even in the right neighborhood.
Deeper context
How to read a bank-statement loan estimate
This result is most useful as a screening range. The number should help you judge whether the deal feels plausible before you spend time on a real file review.
The income haircut is the core assumption
The estimate moves because lenders do not usually count 100% of deposits as usable income. The expense factor is what turns gross inflows into underwritten income.
Debt load can erase a promising deposit story
A borrower can show strong deposits and still lose room quickly if recurring debt payments already consume too much of the DTI allowance.
A range is more honest than a single promise
Real approval still depends on reserves, credit, documentation quality, and the lender's own overlays. The value here is directional clarity, not fake certainty.
Deeper context
Why real statement analysis still changes the answer
The calculator is only as good as the assumptions fed into it. The actual statement package is where those assumptions get tested against reality.
Deposits need cleanup before they become income
Transfers, reimbursements, and one-off inflows can inflate the picture unless the statement is read carefully and the deposit story is normalized.
Recurring debt often shows up more clearly in activity than memory
Autopays, card payments, and loan patterns become easier to spot when you look at transaction history instead of relying on a rough borrower summary.
File quality affects whether the story is even usable
Beyond the numbers, lenders care whether the statement package is complete, coherent, and defensible enough to support the underwriting conversation.
Supporting guides
Read the article version if you want more context
The tool gives you the quick read. These posts explain the thresholds, use cases, and document expectations behind the result.
FAQ