Asset-Based Mortgage Planning
Turn Assets Into a Mortgage Planning Number
Estimate how checking, brokerage, retirement, and other liquid assets may translate into monthly income for high-net-worth or retiree mortgage planning.
Asset Depletion Income Calculator
Estimate monthly asset-utilization income across 36, 60, and 84 month depletion periods. For planning only.
Assets & Income
Defaults are placeholders. Adjust the numbers to match the real asset picture.
Different programs treat assets differently. Adjust the percentage of each asset class included in the estimate. This calculator is for planning only.
Estimated Monthly Asset Income
$0/mo @ 60 mo
Planning estimate based on adjusted eligible assets ÷ selected depletion period.
- Total assets entered $0
- Eligible assets after adjustments $0
- Asset-utilization income (selected period) $0
- Existing monthly income $0
- Total estimated monthly qualifying income $0
Estimated surplus / shortfall $0
Status
Planning estimate
Enter assets and an optional target payment to see how depletion periods change the picture.
Estimates only. Not a quote, loan offer, approval, commitment to lend, or Loan Estimate. Asset-utilization treatment varies by program, asset type, account ownership, liquidity, seasoning, credit profile, property, and full underwriting review.
Want Adam to review the real asset picture?
Send the rough asset mix, income situation, property goal, and timeline. I'll tell you whether an asset-depletion or high-net-worth mortgage path is worth pursuing before asking you to complete a full application.
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This calculator is for educational planning only. It does not determine whether any borrower qualifies for a mortgage.
What asset depletion income actually means
Asset depletion, sometimes called asset utilization or asset dissipation, is a way to estimate monthly income from eligible liquid assets. Instead of relying only on W-2s or tax-return income, a lender may review assets and divide eligible balances over a set number of months.
Why 36, 60, and 84 months matter
The shorter the depletion period, the higher the estimated monthly income. The longer the period, the more conservative the estimate. Different programs may use different periods and asset treatment, which is why the same borrower can look very different depending on the structure.
Which borrowers use this?
This can be useful for retirees, founders after a liquidity event, high-net-worth borrowers, investors, business owners with low taxable income, and borrowers whose assets tell a stronger story than their tax returns.
Which assets usually need a closer review
Retirement accounts, business accounts, recently deposited funds, gifted balances, and accounts in trust or LLC ownership often need additional review. Account ownership, seasoning, liquidity restrictions, and tax treatment can all change how an asset is counted — or whether it is counted at all.
Estimates only. Not a quote, loan offer, approval, commitment to lend, or Loan Estimate. Asset-utilization treatment varies by program, asset type, account ownership, liquidity, seasoning, credit profile, property, and full underwriting review.