Qualifying income, calculated with confidence.
IncomeCalculator.com reads the borrower’s documents and returns a clear, defensible monthly qualifying income for Conventional, FHA, VA, Non-QM, and DSCR loans — in minutes, not hours.
Documents are read once for analysis, then deleted immediately — never stored.
Minutes, not hours
Upload the income docs, name the loan type, and get a structured income breakdown you can review and adjust — no more manual worksheets.
Agency-aligned logic
Calculations follow the conventions underwriters expect across Conventional, FHA, VA, and Non-QM programs, with the math shown.
Private by design
Borrower documents are processed for the analysis and then deleted. No long-term storage of sensitive financial data.
How it works
A familiar conversational workflow built around the way you already underwrite income.
Pick the loan type
Tell the assistant whether it’s Conventional, FHA, VA, Non-QM, or DSCR.
Upload the documents
Pay stubs, W-2s, tax returns, K-1s, 1099s, or bank statements — PDFs and images.
Review the result
Get a monthly qualifying income figure with the supporting breakdown shown.
Built for every income scenario
Five specialized calculation paths cover the borrowers you see every day.
Self-Employed
Schedule C, 1120-S, 1065, K-1s, and add-backs handled with agency-aligned logic.
Learn more →Standard Employment
Salaried and hourly borrowers — base, overtime, and continuance, all in one pass.
Learn more →Variable Earnings
Bonus, commission, and tipped income averaged and trended the way underwriters expect.
Learn more →Bank Statement
12- and 24-month deposit analysis for Non-QM borrowers, with expense-factor options.
Learn more →Retirement Income
Social Security, pensions, annuities, and asset depletion with continuance checks.
Learn more →Ready to calculate your next borrower’s income?
Open the calculator and run a scenario in minutes.