Asset Depletion Income Estimator

Turning assets into an illustrative income

For asset-rich borrowers with modest reported income. This spreads eligible assets over a utilization period to show an illustrative monthly figure. It is not a qualifying income and not an underwriting calculation — programs vary widely.

Read this firstThe number below is an illustration to frame a conversation. Lenders decide which assets count, apply their own haircuts, and set the utilization period.
$
Accounts a program might consider, before haircuts.
$
Funds excluded (e.g. down payment, required reserves).
%
Blended discount for volatile/retirement assets.
Varies a lot by program.
$
$

Your illustration appears here.
Enter eligible assets, then generate it.

Illustration only — not a qualifying income, not underwriting, not an offer. See the asset-based pathway and full disclaimer.

How asset depletion is generally approached

A lender considers eligible, accessible assets, excludes certain holdings, applies haircuts to volatile or retirement accounts, and spreads what remains over a utilization period to derive an illustrative monthly figure. The eligible-asset list, the haircuts, and the period all vary by program — which is why two lenders can produce very different numbers from the same balance sheet.

Next step

Bring the illustration and your questions to a professional through Kawsah, or see if another pathway fits with the Route Finder.

Is this my qualifying income?

No. It's an illustration to frame a conversation. A lender determines eligible assets, haircuts, the utilization period, and any actual qualifying income.