Self-employed & complex income
Self-employed income calculator.
Self-employed borrowers are routinely assessed on the wrong number. Add-backs are the difference between a decline and an approval.
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After expenses, as shown in your financials.
Potential eligible add-backs
Illustrative lender-assessable income
$225,000
This is not your taxable income. It's an illustration of how a lender might read your position once eligible add-backs are considered.
- Net business profit
- $180,000
- Total potential add-backs
- $45,000
- Illustrative assessable income
- $225,000
What could change this figure
- Which add-backs your specific lender accepts, because policies vary widely
- Whether you have one or two years of financials
- How your business is structured (sole trader, company, trust)
- Whether income is trending up or down year on year
Different lenders apply different policies to self-employed income and add-backs. This calculator is illustrative only and does not represent a lending assessment or approval. It is not tax or accounting advice. Confirm figures with your accountant.
How this is calculated
- The result is an illustration, not a lending assessment. It is not your taxable income.
- Lenders differ significantly on which add-backs they accept and in what circumstances.
- Most lenders want two years of financials; some accept one with strong supporting evidence.
- Nothing here is tax or accounting advice. Confirm all figures with your accountant.
Free guide
The Complex Income Finance Guide
For self employed people, business owners and professionals
- How lenders assess self employed and variable income
- Add backs: what they are and which ones lenders commonly accept
- Why two lenders can read the same tax return differently
- What to have ready before you apply
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