| Top of Page Mortgage loan officers and underwriters will use a year to date calculation to determine the applicant's monthly income. Enter your GROSS social security wages in the Year to Date Income box. Lenders use GROSS income to qualify buyers - not net income. Enter the start date for the year. If you have been employed with the company the entire year. Leave the Start Date at January 1, 2009. If you started working for the company on March 1, 2009, enter that date in the Start Date. The End Date is the most recent pay ending date. Click outside the box or use the tab key to estimate your monthly income. | 
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| Top of Page Some people are paid weekly, twice a month or every other week. Enter your GROSS (social security wages) in the Income box and choose the pay frequency to estimate the monthly income. | 
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| This calculator converts an hourly rate into an estimated monthly income. Simply enter the hourly rate and choose the number of hours in a week. | 
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| Top of Page This calculator will average two incomes (i.e. unemployment compensation). Enter the incomes and choose the division term. To obtain an average monthly unemployment over a two year period, divide by 24 months. | 
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| Top of Page Some non-taxable income can be "grossed" up, generally by 20%. Enter the non-taxable income and choose the gross up percentage. | 
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