Calculators & tools
Free, no-login tools built for the borrowers mainstream calculators ignore — self-employed, 1099, ITIN, investor, and newcomer. Every output is illustrative, never a quote or pre-approval.
Calculators
Match & eligibility
Plan & prepare
Scenarios
Why we built these
If you’re self-employed, file with an ITIN, or earn income that doesn’t fit a W-2 box, most mortgage calculators quietly assume you don’t exist — they ask for “annual salary” and stop. These tools start from how underwriters actually evaluate non-traditional income: the Form 1084 cash-flow method, bank-statement expense factors, DSCR, and the program rules that decide who qualifies.
Use them to understand your options and run your own numbers before you talk to a lender. They never collect loan applications or personal financial data — Mortgage Merlin is a publisher, not a lender or broker.
How we source this
Calculator methodology follows these agency and regulator references. All outputs are illustrative.