Free Tool

Self-Employed Income Calculator

See the qualifying income a lender might actually use — your net income plus common add-backs.

Your reported income

Net income — most recent year

From your most recent Notice of AssessmentNet income — prior year

Add-backs

CCA/depreciation, home office, one-time expenses

This estimates the income a lender might use to qualify you, based on 2-year averaging plus common add-backs. Some programs use different rules — stated income, 1-year averaging, or a gross-up percentage. Your accountant and I can identify your actual eligible add-backs together.