Self-Employed Mortgage Calculator

You make the money, our calculator turns it into mortgage power.

Running your own show means flowing cash, not pay‑stubs. Traditional mortgage sites see that and shrug: “Upload W‑2." Worried about what the chances are of your mortgage approval?

We at Truss Financial Group specialise in helping self-employed borrowers want to solve this problem and build a smarter path. Our self-employed mortgage calculator converts 12–24 months of deposits into the same income figure lenders use, then instant‑checks your DTI, LTV and payment, all before anyone runs your credit.

Scroll down, drop in your numbers, and know today whether the house you love fits the bank‑statement rules.

Why Click?

Real Approval Math: Uses your last 12‑24 months of deposits, not tax returns.

Instant Truth: Max home price, payment, DTI, LTV & green‑light score, one screen.

Zero Hassle: No credit pull, no email gate. Numbers stay private until you click "Talk to Our Expert".

Stop guessing. Own your number below.

The first mortgage qualifier built for self-employed income!

1. Drop in your bank statement deposits & details of debts below.

2. Tweak price or down payment until the bars go green.

3. Click "Talk to Our Expert Advisor" for further clarity, or if you want to turn the numbers into a funded loan.

4. Try It Now.

FAQ: Self-Employed Mortgage Calculator

1. Can self employed get a mortgage?

Yes. Non‑QM “bank‑statement” loans and some jumbo/conventional programs approve borrowers who prove income with 12–24 months of deposits instead of W‑2s.

2. How to get a mortgage when self employed?

Gather 12–24 months of business (or personal) bank statements, a year‑to‑date P&L, and usually a CPA or tax‑preparer letter. Lenders average your deposits, apply an expense factor, then underwrite DTI, LTV, credit, and reserves like any other loan. 

3. Do Mortgage lenders use gross or net income for self employed?

They start with gross deposits, then knock off a standard expense factor (often 50 %). The result is the qualifying gross income underwriters use, taxes and personal spending come later in DTI math. To learn more in detail, read here. 

4. How to calculate self-employed income for mortgage loans? 

Total business deposits for the chosen period ÷ number of months × (1 – expense factor) × ownership %. That monthly figure is compared to debts to form your DTI.

5. How many months bank statements are used for self-employed mortgage? 

Most bank‑statement mortgages accept 12 months. Some offer better rates or higher LTVs with 24 months because the longer history shows stability.

6. Is there a calculator for self employed people?

Yes, for self employed, most commonly used calculation is based on their bank statements. Our Self-Employed Mortgage Calculator (right above) was built specifically for freelancers, solopreneurs, and business owners who don’t have W‑2s.