{"id":8562,"date":"2026-09-21T02:21:18","date_gmt":"2026-09-21T09:21:18","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=8562"},"modified":"2026-09-21T02:21:20","modified_gmt":"2026-09-21T09:21:20","slug":"bank-statement-loan-income-calculator","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8562\/","title":{"rendered":"Bank Statement Loan Income Calculator: Worked Example"},"content":{"rendered":"\n<style id=\"loaning-mortgage-guide-design-system\">\n  @import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n\n  .loaning-geo-article,\n  .loaning-geo-article * {\n    box-sizing: border-box !important;\n    font-family: \"Pretendard Variable\", Pretendard, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif !important;\n    -webkit-print-color-adjust: exact !important;\n    print-color-adjust: exact !important;\n  }\n\n  .loaning-geo-article {\n    --loaning-green: #15966b;\n    --loaning-green-dark: #15583f;\n    --loaning-green-soft: #eef8f4;\n    --loaning-blue: #0073cf;\n    --loaning-answer: #10b981;\n    --loaning-ink: #26332d;\n    --loaning-muted: #68756f;\n    --loaning-line: #e1e7e4;\n    width: 100% !important;\n    max-width: 860px !important;\n    margin: 0 auto !important;\n    padding: 0 16px 140px !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n    letter-spacing: -0.012em !important;\n    word-break: keep-all !important;\n    overflow-wrap: break-word !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote),\n  .loaning-geo-article > ul,\n  .loaning-geo-article > ol {\n    margin-top: 0 !important;\n    color: var(--loaning-ink) !important;\n    font-size: 16px !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-geo-article > p:not(.loaning-table-footnote) {\n    margin-bottom: 16px !important;\n  }\n\n  .loaning-geo-article > h2 {\n    margin: 0 0 20px !important;\n    padding: 0 0 10px !important;\n    border-bottom: 1px solid #dce5e0 !important;\n    color: #173f2e !important;\n    font-size: 26px !important;\n    font-weight: 700 !important;\n    line-height: 1.38 !important;\n    letter-spacing: -0.025em !important;\n  }\n\n  .loaning-geo-article h3 {\n    margin: 32px 0 12px !important;\n    padding: 2px 0 2px 14px !important;\n    border-left: 4px solid #49cc7f !important;\n    background: transparent !important;\n    color: #1d513b !important;\n    font-size: 20px !important;\n    font-weight: 700 !important;\n    line-height: 1.45 !important;\n    letter-spacing: -0.018em !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link) {\n    color: #0b7452 !important;\n    text-decoration-thickness: 1px !important;\n    text-underline-offset: 3px !important;\n  }\n\n  .loaning-geo-article a:not(.loaning-rate-field):not(.loaning-rate-button):not(.loaning-floating-cta__link):focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.35) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-article-tools {\n    position: relative !important;\n    z-index: 20 !important;\n    display: flex !important;\n    align-items: center !important;\n    justify-content: space-between !important;\n    gap: 18px !important;\n    width: 100% !important;\n    margin: 0 0 24px !important;\n    padding: 4px 0 18px !important;\n    border: 0 !important;\n    border-bottom: 1px solid #e3eae6 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-article-tools__keywords {\n    display: flex !important;\n    flex: 1 1 auto !important;\n    flex-wrap: wrap !important;\n    align-items: center !important;\n    gap: 7px 14px !important;\n    min-width: 0 !important;\n  }\n\n  .loaning-article-tools__label {\n    flex-basis: 100% !important;\n    color: #7a8680 !important;\n    font-size: 11px !important;\n    font-weight: 700 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-article-tools__keywords a {\n    display: inline-block !important;\n    min-height: 32px !important;\n    padding: 6px 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n    color: #27664a !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    transition: color 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-article-tools__keywords a:hover {\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-article-tools__actions {\n    position: relative !important;\n    display: flex !important;\n    flex: 0 0 auto !important;\n    align-items: center !important;\n    gap: 10px !important;\n  }\n\n  .loaning-ai-summary {\n    position: relative !important;\n  }\n\n  .loaning-ai-summary > summary {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    gap: 8px !important;\n    min-height: 44px !important;\n    padding: 8px 14px !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 700 !important;\n    line-height: 20px !important;\n    list-style: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-ai-summary > summary::-webkit-details-marker {\n    display: none !important;\n  }\n\n  .loaning-ai-summary > summary::marker {\n    content: \"\" !important;\n  }\n\n  .loaning-ai-summary > summary:hover,\n  .loaning-ai-summary[open] > summary {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-ai-summary > summary:focus-visible,\n  .loaning-share-button:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-ai-summary__icon,\n  .loaning-ai-summary__chevron,\n  .loaning-share-button svg {\n    display: block !important;\n    flex: 0 0 auto !important;\n  }\n\n  .loaning-ai-summary__icon {\n    width: 19px !important;\n    height: 19px !important;\n    color: #15966b !important;\n  }\n\n  .loaning-ai-summary__chevron {\n    width: 13px !important;\n    height: 13px !important;\n    color: #52635b !important;\n    transition: transform 0.2s ease !important;\n  }\n\n  .loaning-ai-summary[open] .loaning-ai-summary__chevron {\n    transform: rotate(180deg) !important;\n  }\n\n  .loaning-ai-summary__panel {\n    position: absolute !important;\n    z-index: 40 !important;\n    top: calc(100% + 10px) !important;\n    right: 0 !important;\n    width: min(420px, calc(100vw - 40px)) !important;\n    padding: 18px !important;\n    border: 1px solid #dbe6e0 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n    color: #2f3d37 !important;\n    box-shadow: 0 14px 34px rgba(23, 63, 46, 0.16) !important;\n  }\n\n  .loaning-ai-summary__title {\n    margin: 0 0 10px !important;\n    color: #173f2e !important;\n    font-size: 14px !important;\n    font-weight: 750 !important;\n    line-height: 21px !important;\n  }\n\n  .loaning-ai-summary__panel ul {\n    margin: 0 !important;\n    padding-left: 19px !important;\n  }\n\n  .loaning-ai-summary__panel li {\n    margin: 0 0 7px !important;\n    color: #43524b !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n  }\n\n  .loaning-ai-summary__panel li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-share-button {\n    display: inline-flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 44px !important;\n    height: 44px !important;\n    flex: 0 0 44px !important;\n    margin: 0 !important;\n    padding: 0 !important;\n    border: 1px solid #d5e2db !important;\n    border-radius: 50% !important;\n    background: #ffffff !important;\n    color: #173f2e !important;\n    cursor: pointer !important;\n    box-shadow: 0 2px 8px rgba(31, 78, 59, 0.07) !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n  }\n\n  .loaning-share-button:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateY(-1px) !important;\n    box-shadow: 0 4px 12px rgba(31, 78, 59, 0.1) !important;\n  }\n\n  .loaning-share-button svg {\n    width: 19px !important;\n    height: 19px !important;\n  }\n\n  .loaning-visually-hidden {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    padding: 0 !important;\n    margin: -1px !important;\n    overflow: hidden !important;\n    clip: rect(0, 0, 0, 0) !important;\n    white-space: nowrap !important;\n    border: 0 !important;\n  }\n\n  .loaning-side-tools,\n  .loaning-side-tools * {\n    box-sizing: border-box !important;\n  }\n\n  .loaning-side-tools {\n    position: fixed !important;\n    z-index: 9998 !important;\n    top: auto !important;\n    right: 18px !important;\n    bottom: 24px !important;\n    display: flex !important;\n    flex-direction: column !important;\n    align-items: stretch !important;\n    gap: 8px !important;\n    width: 132px !important;\n    transform: none !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-side-tools__item {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: flex-start !important;\n    gap: 9px !important;\n    width: 100% !important;\n    min-height: 44px !important;\n    margin: 0 !important;\n    padding: 9px 12px !important;\n    border: 1px solid #dbe4df !important;\n    border-radius: 999px !important;\n    background: rgba(255, 255, 255, 0.96) !important;\n    color: #29483b !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    text-decoration: none !important;\n    white-space: nowrap !important;\n    cursor: pointer !important;\n    box-shadow: 0 3px 12px rgba(23, 63, 46, 0.09) !important;\n    pointer-events: auto !important;\n    transition: border-color 0.2s ease, color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease !important;\n    -webkit-appearance: none !important;\n    appearance: none !important;\n  }\n\n  .loaning-side-tools__item:hover {\n    border-color: #a9cdbb !important;\n    color: #15966b !important;\n    transform: translateX(-2px) !important;\n    box-shadow: 0 5px 16px rgba(23, 63, 46, 0.13) !important;\n  }\n\n  .loaning-side-tools__item:focus-visible {\n    outline: 3px solid rgba(73, 204, 127, 0.3) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-side-tools__item svg {\n    display: block !important;\n    width: 20px !important;\n    height: 20px !important;\n    flex: 0 0 20px !important;\n  }\n\n  .loaning-side-tools__item[hidden] {\n    display: none !important;\n  }\n\n  .loaning-side-tools__item--top {\n    justify-content: center !important;\n  }\n\n  .loaning-intro {\n    margin: 0 0 20px !important;\n  }\n\n  .loaning-intro p {\n    margin-bottom: 16px !important;\n    font-size: 16px !important;\n    font-weight: 400 !important;\n    line-height: 1.75 !important;\n  }\n\n  .loaning-key-takeaways {\n    margin: 16px 0 24px !important;\n    padding: 18px 22px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n    color: #333333 !important;\n  }\n\n  .loaning-key-takeaways__title {\n    margin: 0 0 8px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways ul {\n    margin: 0 !important;\n    padding-left: 20px !important;\n  }\n\n  .loaning-key-takeaways li {\n    margin: 0 0 6px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-key-takeaways li:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-toc {\n    margin: 24px 0 16px !important;\n    padding: 0 !important;\n    border: 0 !important;\n    background: transparent !important;\n  }\n\n  .loaning-toc__title {\n    margin: 0 0 10px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 12px !important;\n    font-weight: 700 !important;\n    line-height: 1.5 !important;\n  }\n\n  .loaning-toc__links {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 8px !important;\n  }\n\n  .loaning-toc__links a {\n    display: inline-flex !important;\n    align-items: center !important;\n    min-height: 36px !important;\n    padding: 8px 12px !important;\n    border: 1px solid var(--loaning-line) !important;\n    border-radius: 999px !important;\n    background: #f8faf9 !important;\n    color: #355248 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n    line-height: 18px !important;\n    text-decoration: none !important;\n  }\n\n  .loaning-toc__links a:hover {\n    border-color: #bcd9ca !important;\n    background: #eef8f4 !important;\n    color: #15583f !important;\n  }\n\n  .loaning-table-wrap {\n    width: 100% !important;\n    margin: 18px 0 0 !important;\n    overflow-x: hidden !important;\n    border: 1px solid #dfe7e3 !important;\n    border-radius: 14px !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap table {\n    width: 100% !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    table-layout: fixed !important;\n    border-collapse: collapse !important;\n    background: #ffffff !important;\n  }\n\n  .loaning-table-wrap th,\n  .loaning-table-wrap td {\n    padding: 12px 10px !important;\n    border: 0 !important;\n    border-right: 1px solid #e8eeeb !important;\n    border-bottom: 1px solid #e8eeeb !important;\n    color: #35423c !important;\n    font-size: 13px !important;\n    line-height: 20px !important;\n    text-align: left !important;\n    vertical-align: middle !important;\n    white-space: normal !important;\n    overflow-wrap: anywhere !important;\n  }\n\n  .loaning-table-wrap th {\n    background: #f3f7f5 !important;\n    color: #24463a !important;\n    font-weight: 750 !important;\n  }\n\n  .loaning-table-wrap th:last-child,\n  .loaning-table-wrap td:last-child {\n    border-right: 0 !important;\n  }\n\n  .loaning-table-wrap tr:last-child td {\n    border-bottom: 0 !important;\n  }\n\n  .loaning-table-wrap tbody tr:nth-child(even) td {\n    background: #fbfcfc !important;\n  }\n\n  .loaning-table-wrap a {\n    color: #0b7452 !important;\n    font-size: 13px !important;\n    font-weight: 650 !important;\n  }\n\n  .loaning-geo-article > .loaning-table-footnote {\n    margin: 6px 2px 24px !important;\n    color: var(--loaning-muted) !important;\n    font-size: 11px !important;\n    font-weight: 400 !important;\n    line-height: 17px !important;\n  }\n\n  .loaning-important-note {\n    margin: 18px 0 28px !important;\n    padding: 20px 24px !important;\n    border: 1px solid #ffdada !important;\n    border-radius: 16px !important;\n    background: #fff4f4 !important;\n    color: #333333 !important;\n  }\n\n  .loaning-important-note__title {\n    margin: 0 0 10px !important;\n    color: #d32f2f !important;\n    font-size: 15px !important;\n    font-weight: 800 !important;\n    line-height: 1.55 !important;\n  }\n\n  .loaning-important-note p {\n    margin: 0 0 10px !important;\n    color: #333333 !important;\n    font-size: 15px !important;\n    line-height: 1.67 !important;\n  }\n\n  .loaning-important-note p:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .loaning-checklist {\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 20px 0 28px !important;\n    padding: 0 !important;\n  }\n\n  .loaning-checklist-card {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 10px !important;\n    width: 100% !important;\n    margin: 0 !important;\n    padding: 14px 16px !important;\n    border: 1px solid #e1e5e9 !important;\n    border-radius: 11px !important;\n    background: #ffffff !important;\n    box-shadow: 0 2px 6px rgba(17, 24, 39, 0.04), 0 7px 16px rgba(17, 24, 39, 0.05) !important;\n    cursor: pointer !important;\n    transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease !important;\n  }\n\n  .loaning-checklist-card:hover {\n    border-color: #cbd3dc !important;\n    box-shadow: 0 3px 7px rgba(17, 24, 39, 0.05), 0 9px 18px rgba(17, 24, 39, 0.06) !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"] {\n    position: absolute !important;\n    width: 1px !important;\n    height: 1px !important;\n    margin: -1px !important;\n    padding: 0 !important;\n    overflow: hidden !important;\n    clip: rect(0 0 0 0) !important;\n    clip-path: inset(50%) !important;\n    border: 0 !important;\n    opacity: 0 !important;\n    white-space: nowrap !important;\n  }\n\n  .loaning-checklist-card__control {\n    position: relative !important;\n    display: block !important;\n    width: 18px !important;\n    min-width: 18px !important;\n    max-width: 18px !important;\n    height: 18px !important;\n    min-height: 18px !important;\n    max-height: 18px !important;\n    flex: 0 0 18px !important;\n    margin: 1px 0 0 !important;\n    padding: 0 !important;\n    border: 1.5px solid #aeb6c2 !important;\n    border-radius: 999px !important;\n    background: #ffffff !important;\n    box-shadow: none !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control {\n    border-color: #2ecc71 !important;\n    background: #2ecc71 !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:checked + .loaning-checklist-card__control::after {\n    position: absolute !important;\n    top: 50% !important;\n    left: 50% !important;\n    color: #ffffff !important;\n    content: \"\u2713\" !important;\n    font-size: 11px !important;\n    font-weight: 800 !important;\n    line-height: 1 !important;\n    transform: translate(-50%, -52%) !important;\n  }\n\n  .loaning-checklist-card input[type=\"checkbox\"]:focus-visible + .loaning-checklist-card__control {\n    outline: 3px solid rgba(46, 204, 113, 0.25) !important;\n    outline-offset: 3px !important;\n  }\n\n  .loaning-checklist-card__text {\n    color: #4b5563 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 22px !important;\n    letter-spacing: -0.01em !important;\n  }\n\n  .loaning-qa-card {\n    margin: 20px 0 28px !important;\n    padding: 2px 0 2px 14px !important;\n    border: 0 !important;\n    border-left: 2px solid #dce5e0 !important;\n    border-radius: 0 !important;\n    background: transparent !important;\n    color: #5b6962 !important;\n  }\n\n  .loaning-qa-card__question,\n  .loaning-faq-card__question {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 0 10px !important;\n    color: #26332d !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-qa-card__answer,\n  .loaning-faq-card__answer {\n    display: flex !important;\n    align-items: flex-start !important;\n    gap: 6px !important;\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__question {\n    margin: 0 0 5px !important;\n    color: #53635c !important;\n    font-size: 14px !important;\n    font-weight: 400 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-card__answer {\n    color: #637068 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label {\n    min-width: 17px !important;\n    color: #839089 !important;\n    font-size: 13px !important;\n    font-weight: 700 !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--q {\n    color: #71848d !important;\n  }\n\n  .loaning-geo-article .loaning-qa-card .loaning-qa-label--a {\n    color: #7a9186 !important;\n  }\n\n  .loaning-qa-label {\n    display: inline-block !important;\n    flex: 0 0 auto !important;\n    min-width: 20px !important;\n    font-size: 13px !important;\n    font-weight: 800 !important;\n    line-height: 1.65 !important;\n  }\n\n  .loaning-qa-label--q {\n    color: #0073cf !important;\n  }\n\n  .loaning-qa-label--a {\n    color: #10b981 !important;\n  }\n\n  .loaning-qa-question-text {\n    font-weight: 400 !important;\n  }\n\n  .loaning-faq-list {\n    display: grid !important;\n    gap: 12px !important;\n    margin: 22px 0 0 !important;\n  }\n\n  .loaning-faq-card {\n    padding: 18px 20px !important;\n    border: 0 !important;\n    border-radius: 16px !important;\n    background: #f8f9fa !important;\n  }\n\n  .loaning-faq-card__answer {\n    padding-top: 10px !important;\n    border-top: 1px solid #e4e9e6 !important;\n  }\n\n  .loaning-faq-card__answer-text {\n    min-width: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-faq-card__answer-text p {\n    margin: 0 !important;\n    color: #333333 !important;\n    font-size: 14px !important;\n    line-height: 23px !important;\n  }\n\n  .loaning-floating-cta {\n    position: fixed !important;\n    z-index: 9999 !important;\n    left: 50% !important;\n    bottom: 16px !important;\n    width: min(calc(100vw - 32px), 680px) !important;\n    transform: translateX(-50%) !important;\n    pointer-events: none !important;\n  }\n\n  .loaning-floating-cta__link {\n    display: flex !important;\n    align-items: center !important;\n    justify-content: center !important;\n    width: 100% !important;\n    min-height: 52px !important;\n    padding: 12px 24px !important;\n    border-radius: 999px !important;\n    background: #49cc7f !important;\n    color: #ffffff !important;\n    -webkit-text-fill-color: #ffffff !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.3 !important;\n    text-align: center !important;\n    text-decoration: none !important;\n    text-shadow: 0 0 8px rgba(255, 255, 255, 0.34) !important;\n    box-shadow: 0 5px 16px rgba(23, 33, 29, 0.12) !important;\n    pointer-events: auto !important;\n  }\n\n  .loaning-floating-cta__link:hover {\n    background: #3fc275 !important;\n    transform: translateY(-1px) !important;\n  }\n\n  .loaning-floating-cta__link:focus-visible {\n    outline: 3px solid rgba(23, 33, 29, 0.28) !important;\n    outline-offset: 3px !important;\n  }\n\n  @media screen and (max-width: 680px) {\n    .loaning-geo-article {\n      padding: 0 12px 124px !important;\n      word-break: normal !important;\n    }\n\n    .loaning-article-tools {\n      align-items: stretch !important;\n      flex-direction: column !important;\n  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font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n\n\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" lang=\"en\" tabindex=\"-1\">\n<section class=\"loaning-article-tools\" aria-label=\"Article tools\">\n    <div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">Related keywords<\/span><a href=\"#guide-section-1\">#bank statement loan income calculator<\/a><a href=\"#guide-section-2\">#how does a bank statement loan work<\/a><\/div>\n\n    <div class=\"loaning-article-tools__actions\">\n      <details class=\"loaning-ai-summary\">\n        <summary aria-label=\"Open AI summary\">\n          <svg class=\"loaning-ai-summary__icon\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n            <path d=\"M7.5 4.5h9a4 4 0 0 1 4 4v5a4 4 0 0 1-4 4h-4.2l-3.8 2.7v-2.7h-1a4 4 0 0 1-4-4v-5a4 4 0 0 1 4-4Z\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linejoin=\"round\"><\/path>\n            <path d=\"M9 9.3v.1M15 9.3v.1M9.2 13c1.7 1.2 3.9 1.2 5.6 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n          <\/svg>\n          <span>AI summary<\/span>\n          <svg class=\"loaning-ai-summary__chevron\" viewBox=\"0 0 16 16\" aria-hidden=\"true\">\n            <path d=\"m4 6 4 4 4-4\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n          <\/svg>\n        <\/summary>\n        <div class=\"loaning-ai-summary__panel\" role=\"region\" aria-label=\"AI summary\">\n          <p class=\"loaning-ai-summary__title\">At a glance<\/p><ul><li><strong>Classify first:<\/strong> Separate transfers and borrowed funds from revenue.<\/li><li><strong>Calculate next:<\/strong> Apply the review period and expense treatment to eligible deposits.<\/li><li><strong>Compare last:<\/strong> A different income figure changes DTI even when monthly debts stay the same.<\/li><\/ul>\n        <\/div>\n      <\/details>\n\n      <button type=\"button\" class=\"loaning-share-button\" aria-label=\"Share this article\" title=\"Share\">\n        <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n          <circle cx=\"18\" cy=\"5\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"6\" cy=\"12\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <circle cx=\"18\" cy=\"19\" r=\"2.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><\/circle>\n          <path d=\"m8.2 10.8 7.6-4.5M8.2 13.2l7.6 4.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"><\/path>\n        <\/svg>\n      <\/button>\n      <span class=\"loaning-share-status loaning-visually-hidden\" role=\"status\" aria-live=\"polite\"><\/span>\n    <\/div>\n  <\/section><div class=\"loaning-intro\"><p>Your account received $240,000 over the last year. Divide by twelve and that is $20,000 a month. Can you build a home budget around that number? The arithmetic takes seconds. Missing the money that must come out first can change the budget dramatically.<\/p><p>Transfers from your other accounts, borrowed funds, and money needed to run the business cannot all be treated as income. A useful bank statement loan income calculator follows this order: <strong>total deposits \u2192 eligible deposits \u2192 expenses \u2192 monthly income<\/strong>.<\/p><\/div><div class=\"loaning-key-takeaways\" aria-label=\"Key takeaways\"><p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p><ul><li><strong>Classify first:<\/strong> Separate transfers and borrowed funds from revenue.<\/li><li><strong>Calculate next:<\/strong> Apply the review period and expense treatment to eligible deposits.<\/li><li><strong>Compare last:<\/strong> A different income figure changes DTI even when monthly debts stay the same.<\/li><\/ul><\/div><nav class=\"loaning-toc\" aria-label=\"Table of contents\"><p class=\"loaning-toc__title\">In this guide<\/p><div class=\"loaning-toc__links\"><a href=\"#guide-section-1\">How are bank statement loans underwritten?<\/a><a href=\"#guide-section-2\">How $240,000 in deposits becomes $10,000 a month<\/a><a href=\"#guide-section-3\">A ten-point expense difference can change the home budget<\/a><a href=\"#guide-section-4\">Start your own worksheet with four columns<\/a><a href=\"#guide-section-5\">Check the worksheet before your consultation<\/a><a href=\"#guide-section-6\">\u2753 Income calculation FAQs<\/a><\/div><\/nav><br><br><h2 id=\"guide-section-1\">How are bank statement loans underwritten?<\/h2><p>The lender uses transaction history to understand business cash flow and calculate income available for loan payments. Programs such as <a href=\"https:\/\/crosscountrymortgage.com\/mortgage\/loans\/non-qm\/bank-statement-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">CrossCountry Mortgage\u2019s bank statement loan<\/a> describe 12- or 24-month review periods.<\/p><p>The job is not to add every deposit. It is to <strong>separate non-revenue funds and account for business expenses<\/strong>. Note the account type and ownership share at the top of the calculation.<\/p><br><br><h2 id=\"guide-section-2\">How $240,000 in deposits becomes $10,000 a month<\/h2><p>Take a business owner with 100% ownership and twelve months of business statements. Total deposits are $240,000, but $30,000 came from transfers and $10,000 from a business loan. Removing those amounts leaves $200,000 in eligible deposits.<\/p><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">Step<\/th><th scope=\"col\">Calculation<\/th><th scope=\"col\">Result<\/th><\/tr><\/thead><tbody><tr><td>1. Total deposits<\/td><td>Twelve-month total<\/td><td>$240,000<\/td><\/tr><tr><td>2. Remove non-revenue deposits<\/td><td>$240,000 \u2212 $30,000 \u2212 $10,000<\/td><td>$200,000<\/td><\/tr><tr><td>3. Average eligible deposits<\/td><td>$200,000 \u00f7 12<\/td><td>About $16,667 per month<\/td><\/tr><tr><td>4. Assume a 40% expense ratio<\/td><td>$200,000 \u00d7 60% \u00f7 12<\/td><td>$10,000 per month<\/td><\/tr><\/tbody><\/table><\/div><p class=\"loaning-table-footnote\">Illustration: twelve months of business statements, 100% ownership, and an assumed 40% expense ratio.<\/p><p>The initial $20,000 monthly figure has become $10,000. The difference comes from what belongs in the calculation, not from the calculator.<\/p><br><br><h2 id=\"guide-section-3\">A ten-point expense difference can change the home budget<\/h2><p>Apply a 50% expense ratio to the same $200,000 and monthly income is about $8,333\u2014roughly $1,667 less than under the 40% assumption.<\/p><p>Now assume a $3,000 monthly housing payment and $1,000 in other monthly debts. Total debt payments stay at $4,000, but DTI changes with income.<\/p><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">Comparison<\/th><th scope=\"col\">40% expense assumption<\/th><th scope=\"col\">50% expense assumption<\/th><\/tr><\/thead><tbody><tr><td>Qualifying monthly income<\/td><td>$10,000<\/td><td>About $8,333<\/td><\/tr><tr><td>Total monthly debt<\/td><td>$4,000<\/td><td>$4,000<\/td><\/tr><tr><td>DTI<\/td><td>40%<\/td><td>About 48%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"loaning-important-note\"><p class=\"loaning-important-note__title\">\u26a0\ufe0f The expense ratio is not a number to choose for a better result<\/p><p>A business with substantial payroll and materials has a different cost structure from a low-overhead solo service business. Support expenses with real records and ask which ratio was used in the proposed calculation.<\/p><\/div><br><br><h2 id=\"guide-section-4\">Start your own worksheet with four columns<\/h2><div class=\"loaning-table-wrap\"><table><thead><tr><th scope=\"col\">Month<\/th><th scope=\"col\">Total deposits<\/th><th scope=\"col\">Excluded deposits and reason<\/th><th scope=\"col\">Remaining eligible deposits<\/th><\/tr><\/thead><tbody><tr><td>January<\/td><td>Statement total<\/td><td>Transfers, borrowed funds, and other exclusions<\/td><td>Total minus exclusions<\/td><\/tr><tr><td>Following months<\/td><td>Record consistently<\/td><td>Connect each exclusion to evidence<\/td><td>Total the full consecutive period<\/td><\/tr><\/tbody><\/table><\/div><p>Count the same customer payment only once if it moves from a business account to a personal account. Some personal deposits may already reflect business expenses, so establish the account-specific method before applying a business expense deduction again.<\/p><p>Show ownership for a shared business too. An account containing only your share of distributions should not automatically be treated like an account holding all company revenue. Ask for a worksheet that shows <strong>what was deducted at each step<\/strong>.<\/p><br><br><h2 id=\"guide-section-5\">Check the worksheet before your consultation<\/h2><div class=\"loaning-checklist\" aria-label=\"Preparation checklist\"><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-1\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Use a consecutive 12- or 24-month period.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-2\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Identify transfers and borrowed funds separately.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-3\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Remove duplicate deposits across personal and business accounts.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-4\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Show where expenses and ownership were reflected.<\/span><\/label><label class=\"loaning-checklist-card\"><input type=\"checkbox\" name=\"guide-checklist\" value=\"item-5\"><span class=\"loaning-checklist-card__control\" aria-hidden=\"true\"><\/span><span class=\"loaning-checklist-card__text\">Recalculate housing costs and other monthly debts using the qualifying income figure.<\/span><\/label><\/div><br><br><h2 id=\"guide-section-6\">\u2753 Income calculation FAQs<\/h2><div class=\"loaning-faq-list\"><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Do all bank statement loans use a 50% expense ratio?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>No single ratio applies to every program and business. These examples show how expense assumptions affect the result. Ask for the ratio applied to your business and the evidence behind it.<\/p><\/div><\/div><\/div><div class=\"loaning-faq-card\"><p class=\"loaning-faq-card__question\"><strong class=\"loaning-qa-label loaning-qa-label--q\">Q.<\/strong><span class=\"loaning-qa-question-text\">Does a high qualifying income mean I should buy a more expensive home?<\/span><\/p><div class=\"loaning-faq-card__answer\"><strong class=\"loaning-qa-label loaning-qa-label--a\">A.<\/strong><div class=\"loaning-faq-card__answer-text\"><p>Qualifying income is an underwriting figure. Also account for living expenses, business needs, taxes, and emergency savings. The budget you can qualify for and the budget you can comfortably maintain may differ.<\/p><\/div><\/div><\/div><\/div><p>A conversation is more useful when you know what was excluded and what remains, not just the deposit total. Compare your monthly income calculation and actual loan terms together.<\/p><div class=\"loaning-rate-box\">\n    <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n    <div class=\"loaning-rate-form\">\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\">\n        <span>Loan Type<\/span>\n        <strong>Purchase<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\">\n        <span>Loan Term<\/span>\n        <strong>30-Year Fixed<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\">\n        <span>City<\/span>\n        <strong>Enter your city<\/strong>\n      <\/a>\n\n      <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\">\n        Compare\n      <\/a>\n    <\/div>\n\n    <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n  <\/div>\n<figure class=\"loaning-bottom-image\" style=\"margin:28px 0 0;\"><a href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\" target=\"_blank\" rel=\"noopener noreferrer\"><img src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/loaning.png\" alt=\"Compare mortgage rates and get online home loan support with Loaning.ai\" width=\"1002\" height=\"668\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;max-width:100%;height:auto;\"><\/a><\/figure>\n<div class=\"loaning-side-tools\" aria-label=\"Page navigation\">\n    <button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" title=\"Back to top\" hidden=\"\">\n      <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n        <path d=\"m6 10 6-6 6 6M12 4v16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n      <\/svg>\n      <span>Back to top<\/span>\n    <\/button>\n  <\/div>\n\n  <div class=\"loaning-floating-cta\" aria-label=\"Compare mortgage rates\">\n    <a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/mortgage-rates?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=non_qm&amp;utm_content=bank_statement_loan_income_calculator\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83d\udc49 Find My Best Mortgage Rate<\/a>\n  <\/div>\n<\/article><script>\n  (function () {\n    var article = document.querySelector(\".loaning-geo-article\");\n    if (!article) return;\n\n    var summary = article.querySelector(\".loaning-ai-summary\");\n    var summaryToggle = summary ? 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Calculate next: Apply the review period and expense treatment to eligible deposits. Compare last: A different income figure changes DTI even when monthly debts stay the same. Your account [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":8610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-8562","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Bank Statement Loan Income Calculator: Worked Example<\/title>\n<meta name=\"description\" content=\"Bank statement loan income calculator: follow a worked example, separate eligible deposits and see how expense assumptions change the result.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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