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 tool. For the real numbers from your own statement, analyze a statement PDF.
Pick the right tool
Need qualifying income first?
Use the qualifying income calculator when the missing piece is usable income, not yet the final loan-size estimate.
Open income calculator →Need statement package quality?
Use the proof-of-income checker when you want to know whether the file looks strong enough before sizing the deal.
Open proof checker →Need the real file reviewed?
Use the analyzer when you want real deposit, debt, and transaction patterns from the uploaded statements instead of manual assumptions.
Analyze a statement PDF →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
Estimated max loan
$163,724
After lender-style expense haircut.
Everything available for mortgage + tax + insurance.
Derived from the selected down payment.
Estimated down payment only.
Read on this estimate
Common lender range
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.
- Every transaction from the real file
- Category totals and repeat charges
- Export to Excel or CSV
Fast enough for a first pass
Each tool does one job: a clean estimate, not a stand-in 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
Mortgage brokers
Real estate buyers
Loan processors
How to read a 12 month 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. Enter the deposit average for the program you are quoting: a 12 month bank statement loan averages the last twelve statements, which favors a borrower whose income grew recently, while a 24 month program averages twice the history and usually lowers the qualifying figure if the earlier year was weaker.
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.
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.
Guides that go deeper
The tool gives the quick read. These guides explain the thresholds and what documents are expected.
Bank statement loan calculator: questions & answers
What is a bank statement loan calculator?
It is a quick estimate tool for self-employed or non-QM borrowers. Instead of W-2 income, it uses average monthly deposits, lender expense factors, debt obligations, and target DTI to estimate a possible loan size.
Is this a real mortgage approval?
No. It is a screening estimate. Actual approval depends on credit, reserves, statement quality, business type, debt documentation, and the lender's underwriting rules.
Why does the calculator ask for an expense factor?
Bank statement lenders usually do not count 100% of deposits as usable income. They apply an expense haircut, often 40% to 60%, depending on business type and documentation.
Why upload a statement after using the calculator?
Because the manual estimate is only directionally useful. Uploading statements lets the product pull real deposits, surface recurring debt payments, and calculate from actual transaction history.
Something else on your mind? Write to contact@mybankstatementanalysis.com.