Estimate the income that may be usable from self-employment
This worksheet is built for self-employed income. It starts with your saved intake profile, locks the main intake fields, and lets you enter the extra worksheet numbers needed to estimate income the way lenders often review it.
Schedule C
Only the matching questions will be shown as we build the worksheet.
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This pulls from intake and stays locked.
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Saved intake value shown as read-only.
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Saved intake value shown as read-only.
Open what this page does first Quick explanation of how this worksheet is set up. ⌄
Locked vs editable
Main intake items stay locked. Worksheet-only numbers can be manually entered and saved here.
Schedule C first
We are starting with Schedule C first, then we can add the other tax statuses under the same worksheet page.
How lenders may view it
This page will show a lender-style estimate, including how a two-year history may affect the income story.
Starter numbers
Worksheet-only fields can start with simulated numbers until the member replaces them with real values.
Open important note What this page can and cannot do. ⌄
Educational estimate
This page helps estimate supportable self-employment income. It does not promise how any lender will treat the file.
Not every rule
Different lenders, programs, and document sets may still treat self-employment income differently.
Adjustments lenders may add back
Items that may reduce income
Special cases lenders may review
Estimated self-employment qualifying income
This version is more careful. It starts with business profit and owner wages, adjusts for ownership when needed, uses limited add-backs for selected write-offs, and then reduces the result when the worksheet shows signs that not all income may be countable.
Your income estimate
This result is meant to be stronger than a simple profit calculation. It tries to reflect the difference between total business money and the amount that may really be usable.
What affected your result
This breaks the result into two sides: what helped the estimate and what reduced it. That makes it easier for the customer to understand why the usable income may be lower than gross business revenue.
What helped
What reduced it
Estimate usable self-employment income
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Starting point before ownership changes, add-backs, and reductions.
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Shows the base after ownership-share logic where relevant.
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Limited add-backs for selected items.
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This is the current monthly estimate from the worksheet.
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This is the annual version of the same estimate.
Open final breakdown See the annual result after reductions. ⌄
Total Reductions
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Final Annual Result
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Plain-English note
Waiting for worksheet values.