LoanCalculator

Specialty Financial Calculators

Powerful simulation tools specifically engineered for travel healthcare professionals, 1099 contractors, digital nomads, and other non-traditional earning profiles.

Travel Nurse & Per Diem

Travel Nurse Stipend Mortgage Calculator

Calculate your qualifying mortgage income using both taxable base pay and non-taxable stipends. Lenders typically gross up tax-free housing allowances by 15-25%, which significantly boosts your borrowing power compared to standard W-2 calculations.

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Per Diem Income Home Loan Tool

Determine your home loan eligibility when paid on a daily (per diem) basis. This tool converts fluctuating daily shift rates and variable monthly schedules into a stable annualized income figure that underwriters will accept.

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Contract Gap Mortgage Risk Calculator

Analyze how time off between assignments impacts your mortgage approval. Enter your typical contract durations and gap periods to see if your annualized income stays above the critical debt-to-income thresholds required by conventional lenders.

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Housing Stipend vs Taxable Pay Calculator

Compare different nursing contract offers to maximize your mortgage qualifying power. Sometimes taking a higher taxable base rate and a lower stipend results in easier mortgage approval, even if the net take-home pay is identical.

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Multi-State Travel Nurse Tax Home Tool

Evaluate the financial impact of your declared tax home on your mortgage application. This tool helps you estimate your qualifying income based on duplicate living expenses and out-of-state residency requirements.

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Self-Employed & 1099

Bank Statement Mortgage Calculator for 1099

Bypass standard tax return requirements. This non-QM loan calculator uses 12 to 24 months of your actual business bank deposits to determine your qualifying income, making it ideal for business owners with heavy tax write-offs.

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P&L Based Mortgage Affordability Tool

Use a CPA-prepared Profit and Loss (P&L) statement instead of arbitrary expense factors to qualify for a home loan. This tool calculates your exact buying power based on audited net margins.

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Schedule C Add-Back Mortgage Calculator

Maximize your conventional loan approval as a sole proprietor. Find out how adding back depletion, depreciation, and business use of home expenses on your Schedule C can increase your usable income.

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1099 Contractor DTI Optimizer

Determine the exact Debt-to-Income ratio you need to qualify. This tool allows independent contractors to adjust their declared debt load and net income to find the sweet spot for Fannie Mae or Freddie Mac approval.

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S-Corp K-1 Income Mortgage Calculator

Calculate your qualifying income if your business is structured as an S-Corporation. This tool blends your W-2 salary distributions with your K-1 pass-through business income to find your true borrowing capacity.

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Digital Nomad & Global Income

Foreign Earned Income Mortgage Calculator

Qualify for a US mortgage using income earned overseas. This calculator accounts for the Foreign Earned Income Exclusion (FEIE) and currency conversion factors to establish your eligible US-dollar income.

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Digital Nomad Multi-Currency DTI Tool

Balance your international debt obligations against your global income streams. Perfect for remote workers holding credit cards or student loans across different countries and currencies.

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Remote Worker Employer Nexus Calculator

Ensure your remote job meets lender requirements. Some underwriters penalize out-of-state workers if their employer doesn't have a clear remote work policy. This tool tests your locational risk.

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Expat Down Payment Source Analyzer

Analyze the logistics of moving foreign assets into the US for your down payment. Understand how wire transfer timelines and OFAC compliance affect your closing timeline.

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US Territory Income Mortgage Tool

Calculate your qualifying capabilities using income from Puerto Rico, Guam, or the US Virgin Islands. This tool navigates the complex tax treatments of Act 60 and territorial income exclusions.

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Edge-Case Professional

Clergy Housing Allowance Mortgage Calculator

Tailored for pastors, ministers, and clergy. Calculate how your Section 107 tax-free parsonage or housing allowance can be grossed-up to exponentially increase your mortgage approval amount.

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Foster Care Income Home Loan Tool

Discover how your non-taxable foster care stipends can be utilized to buy a larger home. We help you navigate the specific two-year history requirements needed to make this income count.

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Commission-Only Sales DTI Calculator

Built for Realtors, car sales professionals, and high-ticket closers. Calculate your average monthly qualifying income by accounting for unreimbursed business expenses and seasonal sales slumps.

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Tipped Employee Mortgage Qualifier

Designed for bartenders, servers, and hospitality workers. Learn why claiming your cash tips on your taxes is absolutely critical, and calculate your true buying power based on your declared W-2 box 7 income.

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Military BAH Allowance Home Loan Tool

Maximize your VA Loan potential. Calculate how your non-taxable Basic Allowance for Housing (BAH) and Basic Allowance for Subsistence (BAS) can be leveraged to buy a home off-base.

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