One worksheet, every income scenario
Income comes in many shapes. IncomeCalculator.com applies the right methodology for each borrower type so you get a consistent, defensible qualifying figure — whatever the documents look like.
Self-Employed
Sole proprietors, partnerships, and S-corps — Schedule C, 1065, 1120-S, K-1s, depreciation add-backs, and ownership percentages.
Learn more →Standard Employment
Salaried, hourly, and military W-2 borrowers, including base pay, overtime, LES, shift differentials, and probability of continuance.
Learn more →Variable Earnings
Bonus, commission, and tip income — averaged across the right look-back period and tested for a stable or declining trend.
Learn more →Bank Statement
Non-QM deposit analysis over 12 or 24 months, with personal vs. business accounts and configurable expense factors.
Learn more →Fixed Income
Retirement income, Social Security, pensions, VA benefits, disability, annuities, IRA and 401(k) distributions, and asset-depletion income with continuance verification.
Learn more →Farm Income
Schedule F farm income and Form 4835 farm rentals, with ag-specific add-backs and Section 1301 farm income averaging.
Learn more →Rental Income
Schedule E and Form 8825 rental income — 75% market-rent rule, PITIA offset for owner-occupied 2-4 units, and vacancy adjustments.
Learn more →Investment Income
Interest, dividends, capital gains, and K-1 distributions — averaged, tested for continuance, and separated from retained earnings.
Learn more →Not sure which path fits your borrower?
Open the calculator — it routes the scenario for you.