IncomeAI
$20per income report
- $20 for each income report you run
- No subscription or platform plan required
- Every figure linked to its source document
- Bank statement, self-employed and wage-earner income
AI income analysis for mortgageNew
Introducing IncomeAI™.
Upload borrower income documents. IncomeAI identifies every income stream, calculates qualifying income, and shows its work, with each figure linked to its source.
$20 per income report. No platform plan required.
The problem02
Mortgage income analysis still runs on spreadsheets and second guesses.
Spreadsheets
Income worksheets rebuilt file after file, one cell at a time.
Manual calculations
Averages, trends and adjustments worked out by hand, then checked again.
Guideline interpretation
Every income type has its own rules, and every reviewer reads them a little differently.
Document review
Paystubs, W-2s and tax returns read line by line to find the numbers that matter.
Meet IncomeAI03
From documents to qualifying income.
IncomeAI turns borrower income documentation into calculated, reviewable qualifying income, so your team starts from an answer instead of a blank worksheet.
Borrower documentation
Form 1040 · Schedule E2025 · 418 Elm St
W-2 Wage and Tax Statement2025 · Northwind Health
Earnings statementPeriod ending 09/30/2026
Income identified
- Base salaryFrom Paystub$105,000 / yr
- OvertimeFrom Paystub$5,220 YTD
- BonusFrom Paystub$12,000 in 2025
- RentalFrom Schedule E418 Elm St
Qualifying income · Alex Morgan
$10,921.67/ mo
- Every figure linked to its document
- Calculation shown step by step
- 1 item flagged for review
How it works04
Four steps. One report.
Upload the file. IncomeAI does the reading, the math and the write-up, and your team reviews the result.
- 01
Upload documents
Add paystubs, W-2s, tax returns, bank statements and other income documents for your borrower.
- 02
AI identifies income
Each document is classified, and every income stream in the file is found and organized.
- 03
Calculates qualifying income
Averages, trends and adjustments are applied to each stream, with the math shown.
- 04
Generates the report
An income analysis report with sources, calculations and review flags, ready for the file.
Every income type05
Every way your borrowers earn.
From a single W-2 to a self-employed borrower with rental properties, one analysis covers the whole picture.
Salary
Fixed base pay from a W-2 employer.
Hourly
Hourly wages from a W-2 employer.
Bonus
Bonus history, averaged and trended.
Overtime
Overtime history, averaged and trended.
Commissions
Commission earnings, averaged over time.
Self-employed
Schedule C, K-1s and business returns.
Rental
Net rental income from Schedule E and leases.
Retirement
Pension, annuity and retirement income.
Military
Military base pay and allowances.
And more
Bank statement income and other qualifying sources.
Who it's for06
Built for mortgage professionals.
One analysis, shared by everyone who touches the file.
01
Loan officers
Know qualifying income early, and structure the loan with real numbers before the file moves.
02
Processors
Skip the worksheet. Documents are organized and income is calculated, so the file keeps moving.
03
Underwriters
Review the math, not the rekeying. Every figure traces to its source, with flags for what needs your judgment.
Accuracy and confidence07
Every number, shown and sourced.
IncomeAI shows its work. Your team reviews the calculation and makes the decision.
- Supporting documentsEvery figure links back to the document it came from.
- Transparent calculation breakdownsSee each step: the inputs, the averages, the trend and the result.
- Review flagsItems that need judgment, like declining income, are flagged for a closer look.
- Guideline referencesWhere supported, calculations cite the agency guideline they follow.
Calculation · Overtime
- 2026 YTD overtime Paystub · 09/30/2026· matched
- $5,220.00
- 2026 monthly average (9 mo)
- $580.00
- 2025 overtime Paystub · 12/31/2025
- $8,160.00
- 2025 monthly average (12 mo)
- $680.00
- Year-over-year trend
- −14.7%
Qualifying overtime$580.00 / mo
Overtime is declining. Using the lower 2026 average — confirm it's likely to continue.
Fannie Mae Selling Guide B3-3.1-03
Pricing08
Simple, usage-based pricing.
Pay for the income reports you run. Nothing to install and no platform plan required.
Get started09
Stop calculating income manually. Start with IncomeAI.
Upload your first borrower's documents and get calculated, reviewable qualifying income. $20 per income report.