How deposits can tell your income story
When write-offs make tax returns understate your real cash flow, bank-statement programs estimate income from deposits and an expense factor. This shows an illustrative range — not an approval or a final qualifying income.
Your illustration appears here.
Enter average monthly deposits, then generate it.
What the expense factor does
Programs assume some share of your deposits went to business expenses and count the rest as income. That assumed share — the expense factor — depends heavily on your industry and the program, and a CPA letter can sometimes justify a lower one. Because it swings the result so much, this tool shows a range around the factor you pick, not a single false-precision number.
Where the real number comes from
This is a concept illustration. Detailed, program-specific income analysis is Mitig8 AI's job; when you're ready to talk to a professional, Kawsah can connect you. Start by organizing documents in the Self-Employed Explorer.
Is this an approval or my qualifying income?
No. It illustrates how deposit-based income works. The program-specific calculation is done by Mitig8, and a lender makes the final determination.