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Real Estate & Pros · Real Estate Investing

Self-Employed Income Calculator

Qualifying income for a self-employed borrower, averaged over two years of tax returns.

  • Free to use here · embed on the Business plan
  • 4 inputs · 5 results
  • English & Spanish

Try the Self-Employed Income Calculator

Average two years of self-employed 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 Self-Employed Income calculator works out

The Self-Employed Income Calculator is a free, embeddable calculator from CalcFunnel. Qualifying income for a self-employed borrower, averaged over two years of tax returns.

You enter 4 inputs: most recent year net profit, prior year net profit, depreciation add-back (2-yr total) and other add-backs (2-yr total).

It returns qualifying monthly income, qualifying annual income, 2-Year avg net profit, avg add-backs and income trend.

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. 02Qualifying Annual Income
  3. 032-Year Avg Net Profit
  4. 04Avg Add-Backs
  5. 05Income Trend

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.

Two-Year Net Profit

Most Recent Year Net Profit
Net profit from your most recent tax return (Schedule C or K-1). Lenders average two years to assess income stability.
Prior Year Net Profit
Net profit from the tax year before that. The two-year average smooths out fluctuations; if income is declining, lenders typically use the lower, most recent year instead.

Add-Backs

Depreciation Add-Back (2-yr total)
Total depreciation deducted across both tax years. Because depreciation is a non-cash expense, lenders add it back to qualifying income.
Other Add-Backs (2-yr total)
Any other non-cash or one-time deductions (such as mileage or amortisation) that a lender will add back to income across both years.

For your website

Embed this calculator on your website

Put the Self-Employed Income 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

Self-Employed Income calculator FAQs

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

Q.01What does the Self-Employed Income Calculator calculate?
Qualifying income for a self-employed borrower, averaged over two years of tax returns. It returns qualifying monthly income, qualifying annual income, 2-Year avg net profit, avg add-backs and income trend.
Q.02What information do I need to use the Self-Employed Income Calculator?
You enter 4 inputs: most recent year net profit, prior year net profit, depreciation add-back (2-yr total) and other add-backs (2-yr total). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Most Recent Year Net Profit” mean in the Self-Employed Income Calculator?
Net profit from your most recent tax return (Schedule C or K-1). Lenders average two years to assess income stability.
Q.04What does “Prior Year Net Profit” mean in the Self-Employed Income Calculator?
Net profit from the tax year before that. The two-year average smooths out fluctuations; if income is declining, lenders typically use the lower, most recent year instead.
Q.05Is the Self-Employed Income 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 Self-Employed Income 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 Self-Employed Income 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 Self-Employed Income results financial advice?
No. Estimates only. Lenders calculate self-employed income from tax returns using their own add-backs and averaging rules. Confirm qualifying income with a licensed lender.

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The Self-Employed Income 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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