Proof of income checker
Score your package for landlords, lenders, and reviewers before you send the real statements, or before you accept a bank statement as proof of income from an applicant.
Start with the free tool. For the real numbers from your own statement, analyze a statement PDF.
Pick the right tool
Need affordability math next?
Use the loan calculator when the next question is deal size or affordability rather than package strength.
Open loan calculator →Reviewing someone else's statement?
Run the file through the fake bank statement detector first; a strong-looking package is worthless if the PDF was edited.
Open the fake statement detector →Need to check the actual file?
Use the analyzer when you want real deposit patterns, overdrafts, and red flags pulled from the uploaded statement.
Analyze a statement PDF →Get a quick readiness score before you share the package
The point here is not to replace underwriting. It is to tell you, quickly, whether your manual summary sounds clean or whether the real file probably deserves a closer look.
Manual underwriting signals
This is a fast pre-check for renters, borrowers, and self-employed applicants.
Average monthly income visible in the package.
How many months of statements you plan to show.
Count visible overdraft, NSF, or returned-item events.
Payroll or consistent owner draws
Package is complete
Income mostly traceable
Clean ownership trail
No obvious dead months
Proof-of-income score
90/100
Strong proof
Manual estimate only.
Most lenders want 2 to 6 months.
What is pulling the score
- No obvious red flags from the manual inputs.
Move from a rough score to the real statement
If the score is borderline, upload the real statement and let the product find the exact gaps, overdraft events, income patterns, and packaging issues instead of relying on a rough manual summary.
- 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 around document quality
Flags the usual things that weaken a proof-of-income package before someone else points them out.
Red-flag oriented
Shows what is pulling the score down instead of hiding everything behind one number.
Good pre-screen tool
Natural bridge to the paid flow because the next logical step is checking the actual file.
Who uses it
This tool is strongest right before you send statements to someone else.
Renters and apartment applicants
Freelancers and self-employed applicants
Mortgage and loan prep
Operators reviewing documents
Guides that go deeper
The tool gives the quick read. These guides explain the thresholds and what documents are expected.
Proof of income checker: questions & answers
Does a bank statement count as proof of income?
Usually yes, when it shows regular deposits that match the income you claim, covers the period the reviewer asked for (typically two to three months for rent, up to twelve for self-employed mortgage applicants), and is complete, with no missing pages. Landlords and lenders read it alongside payslips or tax returns; a bank statement for proof of income works best when the deposits are named and recurring.
What does this proof of income checker look at?
It scores a statement package based on coverage length, income regularity, visible red flags like NSF fees, missing pages, heavy cash deposits, and basic ownership consistency.
Is this enough to prove income to a landlord or lender?
Not by itself. It is a pre-check. Real decisions still depend on the actual statements, supporting documents, and the reviewer's standards.
Why does the paid product matter if I already have this score?
Because the manual score only reflects what you typed. The paid workflow reads the actual statement, flags real issues from the transaction data, and gives you something grounded in the file itself.
Who should use this tool?
Renters, mortgage applicants, freelancers, self-employed borrowers, brokers, and anyone trying to see whether their statement package is likely to raise follow-up questions.
Something else on your mind? Write to contact@mybankstatementanalysis.com.