Who this is for
- People asking: “Can my self-employed income support this home?”
- Anyone who needs a quick planning estimate before making a home decision.
- People who want to compare two transparent sets of assumptions before committing money.
How to use this tool
- 1Enter your best current estimate for home price, down payment, mortgage interest rate.
- 2Review the self-employed mortgage calculator result and the assumptions behind it.
- 3Change one input at a time to compare a conservative and an optimistic scenario.
Companion guide
Getting a Mortgage When You Are Self-Employed
Self-employed borrowers need more than a monthly-payment estimate: lenders commonly review documented income history and debt-to-income ratio. A payment that feels manageable can still be difficult to qualify for if taxable income or debt is too high.
Read the guide →Calculator FAQ
What does the self-employed mortgage calculator estimate?+
Estimate a mortgage payment and debt-to-income ratio using your self-employed income.
Are the results guaranteed?+
No. The result is an estimate based on the inputs and stated formula. Actual rates, terms, taxes, fees, and eligibility can change the outcome.
What should I do after getting a result?+
Use the result as a decision baseline, compare a second scenario, and confirm important tax, lending, or investment decisions with the appropriate qualified professional.
Can I share my scenario?+
Yes. The calculator keeps non-default inputs in the URL so a copied link recreates the same planning scenario.