SEB and income analysis calculators and resources
Updated calculators
Our editable and auto-calculating worksheets are designed for speed and accuracy. We recommend you use the macro-enabled versions but also offer macro-free alternatives if you cannot use Excel worksheets with macros. To learn more, download our Calculator FAQs or watch the overview videos below.
PLEASE NOTE: Download and save a copy to your desktop as a template.
-
All-in-one self-employed income calculator updated for tax year 2024
This calculator incorporates 4 worksheets, including SAM cash flow analysis, liquidity, comparative income analysis and P&L statement analysis. (2/10/2025)
-
All-in-one self-employed income calculator updated for tax year 2024
This is a condensed version of our macro-free self-employed calculator, with just one of each type of business entity. (2/10/2025)
-
Employment & other income calculator
This worksheet is designed to calculate salaried borrowers' monthly qualifying income (fixed and variable) and gross up non-taxable income. (1/2/2025)
-
Rental income calculator updated for tax year 2024
Cash flow income from a principal residence (2- to 4-unit), investment property or business rental by reviewing tax returns or leases. (1/2/2025)
-
Overview video: All-in-one self-employed income calculator
This video highlights the features that make our all-in-one self-employed income calculator a powerful tool for assisting you in calculating and analyzing your self-employed borrowers’ income.
-
Overview video: Employment & other income calculator
In this demo video, we’ll share user tips to maximize your experience and make the process of calculating and analyzing your borrowers’ income easier and more accurate.
-
Have additional questions?
Get the answers to your questions about our self-employed borrower and income analysis calculator worksheets, as well as information about the macro-enabled and macro-free versions.
-
Characteristics of 5 common self-employed business structures
This quick reference defines the different business structures and provides insights so you can better understand the risk and tax implications of each.
Webinar series: Analyzing self-employed income
Our comprehensive SEB training series consists of 8 training modules. During the SEB learning journey, we’ll feature sample self-employed borrowers, their 5 businesses, and their 3 rental properties as a way to break down complex concepts into easily understood scenarios, giving you the knowledge you need to become SEB proficient.
Magic Minutes training series
Quickly refresh or expand your knowledge of self-employed borrowers with our “Analyzing Self-Employed Income” training tutorials. These on-demand videos provide essential knowledge in 15 minutes or less.
Although we believe the results of the worksheets to be accurate in general, they're not intended to meet any particular investor requirements and we don't warrant their accuracy, reliability, completeness or suitability. Review any income/loss listed in the analysis to determine whether the source:
- Is appropriate
- Can be considered ongoing and consistent
- Meets investor requirements
Use of these forms is subject to our website's terms and conditions.