Income Analysis

Self-Employed Income Calculator

Estimate how much of your self-employed income could count toward a mortgage — using the same Schedule Analysis Method (Fannie Mae Form 1084) that professionals start from. This is an educational estimate for planning, not an approval.

1. Business type & year

Entity type

Sole Proprietor Single-Member LLC S-Corporation Partnership

Sole proprietor and single-member LLC income is analyzed on Schedule C.

Tax year

2. Income

Net profit or (loss) * — Schedule C, Line 31

Enter a loss as a negative number. Enter your net profit or loss (a number, which can be negative).

Nonrecurring income to remove (optional)

One-time income included in net profit that won’t repeat.

Nonrecurring loss / expense to add back (optional)

A documented one-time expense that reduced this year’s profit.

3. Add-backs & adjustments

Non-cash and one-time items from your return. Leave blank if not applicable.

Depreciation

Depletion

Amortization

Business use of home

Casualty loss

Business miles driven

Non-deductible meals & entertainment

Subtracted, per Form 1084.

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Enter your figures and select Calculate My Income.

Self-Employed Income Calculator

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