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Real Estate & Pros · Real Estate Investing

Bank Statement Loan Calculator

Qualifying income from bank deposits for self-employed borrowers, and the payment it supports.

  • Free to use here · embed on the Business plan
  • 7 inputs · 6 results
  • English & Spanish

Try the Bank Statement Loan Calculator

Estimate bank-statement qualifying income — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Bank Statement Loan calculator works out

The Bank Statement Loan Calculator is a free, embeddable calculator from CalcFunnel. Qualifying income from bank deposits for self-employed borrowers, and the payment it supports.

You enter 7 inputs: average monthly deposits, expense factor (%), home price, down payment, interest rate (%), monthly taxes, insurance & HOA and loan term (years).

It returns qualifying monthly income, estimated housing payment (PITI), housing DTI, loan amount, avg monthly deposits and principal & interest.

Built for real-estate agents, investors and non-QM lenders. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Real Estate & Pros category.

Results it shows

  1. 01Qualifying Monthly Income
  2. 02Estimated Housing Payment (PITI)
  3. 03Housing DTI
  4. 04Loan Amount
  5. 05Avg Monthly Deposits
  6. 06Principal & Interest

The first figure — qualifying monthly income — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income Qualification

Average Monthly Deposits
The average total deposits into your bank account each month, typically averaged over 12 or 24 months of statements.
Expense Factor (%)
The percentage of your deposits the lender deducts for business expenses to arrive at your qualifying income — commonly 50% for sole proprietors.

Loan Details

Home Price
The purchase price of the home you are looking to buy.
Down Payment
Cash you pay upfront; your loan amount equals the home price minus this amount.
Interest Rate (%)
The annual interest rate on the loan, used to calculate your estimated monthly payment.
Monthly Taxes, Insurance & HOA
Property tax, homeowners insurance and any HOA dues per month. Lenders include these in the housing payment used for the DTI ratio.
Loan Term (years)
The number of years over which the loan will be repaid.

For your website

Embed this calculator on your website

Put the Bank Statement Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Bank Statement Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Bank Statement Loan Calculator calculate?
Qualifying income from bank deposits for self-employed borrowers, and the payment it supports. It returns qualifying monthly income, estimated housing payment (PITI), housing DTI, loan amount, avg monthly deposits and principal & interest.
Q.02What information do I need to use the Bank Statement Loan Calculator?
You enter 7 inputs: average monthly deposits, expense factor (%), home price, down payment, interest rate (%), monthly taxes, insurance & HOA and loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Average Monthly Deposits” mean in the Bank Statement Loan Calculator?
The average total deposits into your bank account each month, typically averaged over 12 or 24 months of statements.
Q.04What does “Expense Factor (%)” mean in the Bank Statement Loan Calculator?
The percentage of your deposits the lender deducts for business expenses to arrive at your qualifying income — commonly 50% for sole proprietors.
Q.05Is the Bank Statement Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Real Estate & Pros category. Compare plans.
Q.06Can I embed the Bank Statement Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Bank Statement Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Bank Statement Loan results financial advice?
No. Estimates only. Lenders calculate qualifying income from bank statements differently — expense factors, eligible deposits and the months reviewed all vary. Confirm with the lender.

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Your website does the math. You get the lead.

The Bank Statement Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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