Free · No signup · Runs in your browser
Freelance & Self-Employed Mortgage Calculator
Free mortgage affordability calculators for 1099 contractors, freelancers and self-employed borrowers — no login, no signup, runs entirely in your browser.
1099 Income Calculator
Lenders average your last two years of 1099/Schedule C net profit to figure out your quali…
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Open tool →Why self-employed borrowers need different tools
Generic mortgage calculators assume a W-2 paystub with a fixed monthly income. If you're a 1099 contractor, freelancer, or small business owner, lenders qualify you differently — averaging tax returns, applying expense factors to bank deposits, or annualizing a day rate. These calculators model those specific methods so you get a realistic estimate before you talk to a lender.
Frequently asked questions
Is this financial advice?
No. This tool gives a rough, educational estimate only. Actual mortgage qualification depends on your full financial picture, credit score, assets, the specific lender's guidelines, and current rates. Always talk to a licensed mortgage professional before making a decision.
Is my data saved or sent anywhere?
No. Every calculation runs locally in your browser with plain JavaScript. Nothing you type is sent to a server, stored, or shared.
Why do self-employed borrowers need a different calculator?
Because lenders don't use your gross revenue — they use net qualifying income after specific averaging and expense-factor rules that only apply to 1099/self-employed income, which a generic mortgage calculator doesn't account for.