Qualifying income, calculated with confidence.
IncomeCalculator.com reads the borrower’s documents and returns a clear, defensible monthly qualifying income for Conventional, FHA, VA, USDA, Non-QM, and DSCR loans — in minutes, not hours.
Borrower documents are encrypted, stay under your control, and can be permanently deleted at any time.
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, USDA, and Non-QM programs, with the math shown.
Private by design
Borrower documents are encrypted and stay with their case, so every figure can be verified against the original page. They are never used to train AI models, and “Delete forever” permanently removes them — documents, data, and analysis together.
How it works
A live income worksheet built around the way you already underwrite income.
Upload the documents
Pay stubs, W-2s, tax returns, K-1s, 1099s, or bank statements — reading starts the moment they land.
Watch the worksheet build
Income sources and a running qualifying total appear as the documents are read — every figure traceable to the page it came from.
Pick the program, review, and finalize
One click switches between Conventional, FHA, VA, USDA, Non-QM, and DSCR — the figures follow, with the supporting breakdown shown.
Built for every income scenario
Eight 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, hourly, and military borrowers — base, overtime, LES, and continuance 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 →Fixed Income
Retirement income, Social Security, pensions, VA benefits, disability, and asset depletion.
Learn more →Farm Income
Schedule F and Form 4835 farm rentals, with ag-specific add-backs and trend safeguards.
Learn more →Rental Income
Schedule E rentals and new leases — per-property analysis, the 75% market-rent rule, and PITIA offsets.
Learn more →Investment Income
Interest, dividends, capital gains, and K-1 distributions with continuance and asset tests.
Learn more →Ready to calculate your next borrower’s income?
Open the calculator and run a scenario in minutes.