for Financial Analysts & Loan Officers

Income Calculator

Automatically calculate qualifying income from tax returns, paystubs, and bank statements. Generate Fannie Mae and Freddie Mac compliant income worksheets in seconds.

Analysis in Progress...

How it works for Financial Analysts & Loan Officers

Tailored workflows optimized for your specific use case.

1

Upload Financial Documents

Upload tax returns (1040s), W2s, paystubs, and bank statements. Cortex automatically identifies and classifies each document type.

2

Extract Income Data

AI extracts all income line items including base salary, overtime, bonuses, self-employment income, and rental income from every document.

3

Generate Income Worksheet

Cortex calculates 24-month averages, identifies add-backs, and generates a complete income worksheet ready for underwriting review.

REAL WORLD APPLICATION

Nuance at Scale.

See how Cortex handles complexity in real-world scenarios.

01CASE STUDY

Self-Employed Income Calculation

THE CHALLENGE

Manually calculating self-employment income requires reading through 60+ pages of Schedule C, identifying non-recurring losses, and adding back depreciation—a process that takes 45+ minutes per file.

CORTEX SOLUTION

Cortex automatically extracts all Schedule C line items, identifies add-backs (depreciation, depletion, business use of home), and calculates qualifying income in seconds with full audit trail.

02CASE STUDY

Variable Income Averaging

THE CHALLENGE

Calculating 24-month averages for variable income requires cross-referencing year-to-date paystub totals against previous years' W2s, manually tracking declining trends.

CORTEX SOLUTION

Cortex reads YTD fields from paystubs, compares them with historical W2 data, automatically calculates 24-month averages, and flags declining income trends for underwriter review.

03CASE STUDY

Rental Income Analysis

THE CHALLENGE

Determining net rental income requires extracting rental income from Schedule E, subtracting expenses, and accounting for depreciation—all while ensuring compliance with agency guidelines.

CORTEX SOLUTION

Cortex extracts all rental income and expenses from Schedule E, automatically calculates net rental income after add-backs, and generates agency-compliant rental income worksheets.

Ready to transform your workflow?