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Complete Income Calculator
Borrower Name
(Required)
Lender Contact Email Address
(Required)
💰 W-2 / Variable Income
🏢 Self-Employed Income
💰 W-2 / Variable Income Calculator
Base Annual Income
Base Annual Income
Annual salary or base income
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Base Monthly Income
Bonus Income
Previous Year Bonus
YTD Bonus
Months YTD (Bonus)
Number of months year-to-date (e.g., 6 for June)
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Bonus Monthly Average
Commission Income
Previous Year Commission
YTD Commission
Months YTD (Commission)
Number of months year-to-date
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Commission Monthly Average
Overtime Income
Previous Year OT
YTD OT
Months YTD (OT)
Number of months year-to-date
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OT Monthly Average
Variable Income
Previous Year Variable
YTD Variable
Months YTD (Variable)
Number of months year-to-date
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Variable Monthly Average
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Total W-2 Monthly Income
TOTAL W-2 MONTHLY INCOME
$0.00
Income Breakdown
🏢 Self-Employed Income Calculator
📊 Rental Income
Gross Rents
Annual gross rental income
Expenses
Annual rental expenses
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Net Annual Rental Income
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Net Monthly Rental Income
— OR use pre-calculated values —
Net Annual Rental Year 1
Pre-calculated net rental income
Net Annual Rental Year 2
Pre-calculated net rental income
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Avg Monthly Rental Income
📋 Schedule C Income
Net Profit
Can be negative
Non-Recurring Other
Depletion
Depreciation
Meals & Entertainment Exclusions
Business Home Usage
Mileage/Depreciation
Other Adjustments
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Adj Annual Sched C Income
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Adj Monthly Sched C Income
— OR use pre-calculated values —
Adj Annual Sched C Year 1
Adj Annual Sched C Year 2
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Avg Monthly Sched C Income
🤝 K-1 Partnership Income
Ordinary Income/Loss
Can be negative
Non-Recurring Other
Depreciation
Depletion
Expenses
Meals & Entertainment Exclusions
Adj Business Cash Flow
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Base Annual K1 Income
Ownership Percentage
Enter as decimal (e.g., 0.25 for 25%)
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Owner Share Annual K1 Income
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Owner Share Monthly K1 Income
— OR use pre-calculated values —
Owner Share Annual K1 Year 1
Owner Share Annual K1 Year 2
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Avg Monthly K1 Income
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Total Self-Employed Monthly Income
TOTAL SELF-EMPLOYED MONTHLY INCOME
$0.00
Income Breakdown
Δ
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