Enter your average monthly deposits and an expense ratio to see roughly what a bank-statement underwriter could count as monthly qualifying income. This mirrors the common deposits → expense factor → monthly income method.

Estimates only, for educational planning. Not a quote, pre-approval, or commitment to lend. Underwriting uses your full file; results here are illustrative.

How this estimate is built

The calculator applies the standard bank-statement method: it takes your average monthly deposits, removes an expense factor to approximate net income, and reports a monthly qualifying figure. Business statements typically carry a larger expense haircut (often around 50%) than personal statements (frequently 10–20%, because business costs are paid from other accounts).

Real underwriting will strip transfers, loan proceeds, and one-time deposits before averaging, and may adjust the expense ratio with a CPA letter. Treat this as a planning estimate, not a quote or a qualification decision.

See whether your cash flow qualifies

Tell us how you earn. A Q Mortgage specialist reviews bank-statement, P&L-only, 1099, and asset-depletion options with you — no credit pull to get a read.