IncomeChecker.com
✶101 free tools

Free income & financial tools, no strings attached.

Calculators, letter generators, and document checkers for proving income, showing funds, budgeting for rent, and reviewing applicants. Get a quick answer, or choose a planner to save your progress and share.

Plans you can keep—and share.

Our budget planners and trackers let you save to your account, come back anytime, and send a link when you’re ready. Share a budget with your partner, expenses with roommates, or a savings goal with someone helping you stay on track.

Explore planners & trackers
Rental VerificationGet a previous landlord’s answers in your dashboard.Online requestFree accountRent-to-Income CalculatorCheck the 3x rule, 2.5x, or your own income standard.CalculatorNo signupDocument CheckersChoose a free checker for pay stubs, bank statements, invoices, or utility bills.Document scannerNo signupInvoice CheckerReview invoice line items, totals, dates, and potential editing signals.Document scannerNo signupUtility Bill CheckerReview billing math, meter readings, service address details, and dates.Document scannerNo signupPay Stub CheckerScan for math errors, formatting issues, and editing signals.Document scannerNo signup
Bank Statement CheckerReview balances, formatting, and editing signals.Document scannerNo signupLandlord Verification FormA short rental reference form, ready to print.Printable formNo signupRental Application FormA complete rental application, ready to print.Printable formNo signupRoommate AgreementWrite down shared costs and household expectations, then print a draft.Letter generatorNo signupProrated Rent CalculatorCalculate partial-month rent for a move-in or move-out.CalculatorNo signupRent Split CalculatorSplit rent by room size, income, or equal shares.CalculatorNo signup
Rent Increase CalculatorWork out a rent increase and its yearly impact.CalculatorNo signupRent Increase LetterCreate a rent increase notice or renewal offer.Letter generatorNo signupSecurity Deposit LetterItemize deposit deductions and the refund.Letter generatorNo signupLease Termination LetterEnd a lease, give notice, or ask to leave early.Letter generatorNo signupEviction Notices by StateChoose a state and fill a rental notice PDF.Printable formNo signupFlorida Eviction NoticeCreate a Florida unpaid-rent notice PDF.Printable formNo signup
Illinois Eviction NoticeCreate an Illinois unpaid-rent notice PDF.Printable formNo signupWashington Eviction NoticeCreate a Washington unpaid-rent notice PDF.Printable formNo signupMichigan Eviction NoticeFill in Michigan’s official 7-day or 30-day notice.Printable formNo signupSecurity Deposit CalculatorMaximum deposit under a state cap, or the refund after deductions.CalculatorNo signupShareable NotesMake a simple note or checklist and share it with anyone.TrackerNo signupInvoice GeneratorMake an invoice for rent, fees, or a job.Letter generatorNo signup
W-9 FormFill, sign, and share the official IRS W-9.Printable formNo signupDirect Deposit FormA printable direct deposit form for your employer.Printable formNo signupQuote TemplateItemize a price and set how long it is good for.Letter generatorNo signupEstimate GeneratorItemize a job and give an estimated total.Letter generatorNo signupPurchase Order TemplateOrder from a vendor with items, quantities, and a delivery date.Letter generatorNo signupReceipt GeneratorConfirm a payment for rent, services, or a sale.Letter generatorNo signup
Proforma Invoice GeneratorPreview the final invoice before an order ships.Letter generatorNo signupCredit Note TemplateCredit or cancel part of an earlier invoice.Letter generatorNo signupPacking Slip GeneratorList what is in a shipment, with quantities and no prices.Letter generatorNo signupWork Order GeneratorAssign a repair or job with tasks, location, and a date.Letter generatorNo signupInvoice CalculatorAdd up an invoice: subtotal, discount, tax, and shipping.CalculatorNo signupSales Tax CalculatorAdd sales tax to a price or back it out of a total.CalculatorNo signup
VAT CalculatorAdd VAT to a net price or remove it from a gross price.CalculatorNo signupLate Payment Fee CalculatorWork out a flat or percentage late fee on an overdue invoice.CalculatorNo signupLate Payment Interest CalculatorSimple interest on an overdue invoice by rate and days late.CalculatorNo signupInvoice Due Date CalculatorGet the exact due date from the invoice date and terms.CalculatorNo signupDays Past Due CalculatorCount days overdue and find the aging bucket.CalculatorNo signupFreelance Rate CalculatorTurn income goals and billable hours into an hourly rate.CalculatorNo signup
Accounts Receivable Turnover CalculatorTurnover ratio and days to collect from credit sales and receivables.CalculatorNo signupAverage Collection Period CalculatorAverage days it takes customers to pay you.CalculatorNo signupCollection Effectiveness Index CalculatorShare of collectable receivables you actually collected.CalculatorNo signupMarkup CalculatorTurn cost and markup into a selling price, or find the markup you are getting.CalculatorNo signupProfit Margin CalculatorGross profit and margin from revenue and cost, or the price for a target margin.CalculatorNo signupBreak-Even CalculatorThe sales you need to cover fixed costs or hit a profit target.CalculatorNo signup
Employment Verification LetterCreate a letter for employment or self-employment.Letter generatorNo signupProof of Funds LetterPrepare a statement of funds for a purchase or deal.Letter generatorNo signupMonthly Income CalculatorTurn hourly, biweekly, or annual pay into monthly income.CalculatorNo signupNet Monthly Income CalculatorSee your monthly take-home pay after taxes.CalculatorNo signupHourly to Salary CalculatorTurn an hourly wage into annual, monthly, and weekly pay.CalculatorNo signupRaffle generatorNames, existing tickets, and shareable raffles. Free, with no account.Online requestNo signup
Car Affordability CalculatorFind a car price and loan payment that fit your monthly budget.CalculatorNo signupChristmas BudgetPlan holiday spending and keep gift ideas with your shopping budget.TrackerNo signupCollege Savings PlannerPlan education savings and update the goal as your child grows.CalculatorNo signupWedding BudgetPlan wedding costs and track actual spending with a saved budget.TrackerNo signupMonthly Bill TrackerCheck off bills each month and keep your payment history.TrackerNo signupCouples BudgetPlan shared costs and track actual spending with your partner.TrackerNo signup
Overtime Pay TrackerEstimate overtime pay and keep your weekly records together.TrackerNo signupEmergency Fund TrackerSet your savings cushion and track deposits and withdrawals over time.TrackerNo signupDebt Payoff PlannerCompare debt payoff strategies and update your plan as balances fall.CalculatorNo signupCredit Card Payoff CalculatorPlan monthly card payments and return to update your balance.CalculatorNo signupBill Split CalculatorSplit bills, record repayments, and keep your group balances up to date.TrackerNo signupSavings Challenge TrackerBuild a savings habit, track progress, and print your challenge.TrackerNo signup
Rent Affordability CalculatorSee how much rent your income supports.CalculatorNo signupDebt-to-Income CalculatorGet your DTI and compare it to common lender limits.CalculatorNo signupHome Renovation CalculatorBuild a home remodeling budget using your region, sizes, and contractor quotes.CalculatorNo signupRent vs. Buy CalculatorCompare the full cost of renting and buying over time.CalculatorNo signupCar Loan Approval CalculatorModel a possible loan amount from income ratios and vehicle value.CalculatorNo signupDebt Validation LetterAsk a debt collector to verify a debt and identify the original creditor before deciding how to respond.Letter generatorNo signup
Pay for Delete LetterAsk whether a collector will accept a specified payment and, where permitted, request removal of its own collection tradeline.Letter generatorNo signupFinancial Hardship LetterExplain a change in your finances and ask your lender or servicer to review an affordable relief option.Letter generatorNo signupGoodwill LetterAsk a creditor to consider a voluntary goodwill adjustment for a late payment while accurately explaining the circumstances.Letter generatorNo signupDemand Letter for PaymentSend a factual written request for payment of an unpaid invoice or documented obligation.Letter generatorNo signupDebt Settlement LetterPropose a lump-sum settlement and ask the creditor or collector to confirm the complete terms in writing.Letter generatorNo signupCease and Desist Letter to a Debt CollectorTell a debt collector in writing that you want collection communications to stop, subject to legally permitted exceptions.Letter generatorNo signup
Payment Plan AgreementPut a proposed monthly repayment schedule in writing for the debtor and creditor to review and sign.Letter generatorNo signupCredit Report Dispute LetterAsk a credit reporting company to investigate inaccurate or incomplete information on your credit report.Letter generatorNo signupDirect Creditor Dispute LetterAsk a creditor or other information furnisher to investigate incorrect credit reporting on your account.Letter generatorNo signupDebt Paid-in-Full Confirmation LetterCreate a creditor-issued confirmation that an identified account has been paid in full.Letter generatorNo signupLoan Payoff Request LetterRequest an official loan payoff statement calculated through your intended payment date.Letter generatorNo signupFamily Loan AgreementClarify family loan terms and print a repayment schedule for review.Letter generatorNo signup
Verification of Employment FormA printable VOE request for lenders to send an employer.Printable formNo signupGift LetterDocument down payment money from family.Letter generatorNo signupLetter of ExplanationExplain a large deposit, job gap, or credit issue.Letter generatorNo signupDSCR CalculatorCheck debt service coverage for a rental or commercial loan.CalculatorNo signupRenovation Cost CalculatorEstimate renovation and rehab costs for an investment property.CalculatorNo signupFix and Flip CalculatorEstimate flip profit, ROI, and your max offer.CalculatorNo signup
LTV CalculatorLoan-to-value, combined LTV, equity, and paydown to 80%.CalculatorNo signupClosing Cost CalculatorEstimate closing costs and the cash needed to close.CalculatorNo signupAPR CalculatorThe true cost of a loan with fees, as an annual rate.CalculatorNo signupFHA Loan CalculatorMonthly FHA payment with mortgage insurance, taxes, and insurance.CalculatorNo signupVA Loan CalculatorMonthly VA payment with the funding fee, taxes, and insurance.CalculatorNo signupBank Statement Loan CalculatorQualifying income from 12 or 24 months of bank deposits.CalculatorNo signup
Self-Employed Mortgage CalculatorQualifying income from two years of net profit plus add-backs.CalculatorNo signup1099 Income CalculatorNet profit, self-employment tax, and monthly income from 1099 earnings.CalculatorNo signupLoan Amortization CalculatorMonthly payment, total interest, and a full amortization schedule.CalculatorNo signupMortgage Affordability CalculatorThe highest home price that fits lender DTI limits.CalculatorNo signupSBA Loan CalculatorMonthly payment, total interest, and full cost of an SBA 7(a) or 504 loan.CalculatorNo signup

When a calculator or letter isn't enough

These tools work from numbers someone types in. Income Checker's report comes straight from the bank: the account holder connects read-only through Plaid, and you see estimated monthly income, recurring deposits, and balances from their real transaction history.

  • No documents to edit
  • No credit check
  • As low as $5 per report
Get a proof of income reportSee an example report

Frequently asked questions

Are these tools really free?
Yes. The calculators and letter generators are free with no account. Budget planners and trackers can also be saved to a free account and shared by link; saving sends that plan to our servers. The pay stub and bank statement checkers are free too. Sending a rental verification online needs a free account so responses are saved to your dashboard.
Can I use a generated letter as official proof?
A letter is a statement from whoever signs it. An employment verification letter should be signed by the employer, and a proof of funds letter carries the most weight when your bank issues it. Self-prepared letters are usually accepted alongside supporting documents like bank statements or tax returns.
What’s the difference between these tools and an Income Checker report?
The free tools work from numbers you enter or documents you upload. An Income Checker report is built from the account holder’s actual bank data through a read-only connection, so it shows estimated income and deposit history without relying on documents that can be edited.