Freddie Mac Income Calculator
The Freddie Mac Income Calculator is a free, online tool that helps you assess a variety of borrower income types with ease and confidence. Use the calculator results independently or with your Loan Product Advisor® (LPA®) loan submission to determine potential representation and warranty (R&W) eligibility relief.
Calculate Borrower Income with Precision and Speed
From common to complex scenarios, the Freddie Mac Income Calculator can help reduce loan defects and repurchase risk, save you time and increase opportunities to close more loans.
Serve a Variety of Borrowers
Wage Earners
Paystubs and W-2s: Income types supported include base, bonus, overtime and commission.
Self-Employed
Tax data (returns and transcripts):
Business types supported include Sole Proprietorship (Schedule C), Partnership and S Corporation.
Coming Soon
Additional income types and automated integration with LPA.
Boost Your Efficiency, Confidence and Opportunity
Simplify how you qualify
- Enter up to five borrowers’ income data with guided steps and explanations
- Get instant results
Leave uncertainty behind
- View the calculation details
- Check R&W relief eligibility
Create more ways to make home possible
- Use the report ID in the LPA submission for R&W relief opportunity
Training and Resources
More Options to Assess Income
The information on this page is not part of, and is not a replacement or substitute for, the requirements found in the Freddie Mac Single-Family Seller/Servicer Guide and other Purchase Documents.