Free calculator
VA Residual Income Calculator
Compare estimated monthly residual income with VA regional guidelines.
Estimated results
- Residual income
- $3,600.00
- VA guideline
- $738.00
- Difference
- $2,862.00
- Guideline comparison
- Meets or exceeds
Methodology
- Subtract estimated taxes, payroll deductions, shelter expense, debts, child care, and other obligations from gross monthly income.
- Compare the remainder with the VA regional table for loan amount and family size.
Independent educational estimate. This tool does not determine VA eligibility, make a credit decision, or provide a lender quote.
Authoritative sources
Rules and guidance last verified August 24, 2026.
- VA Lenders Handbook M26-7, Chapter 4 — Credit Underwriting
Official residual-income tables and debt-to-income underwriting guidance.
Frequently asked questions
Is the VA Residual Income Calculator an approval decision?
No. It is an independent educational estimate, not a VA eligibility decision, underwriting approval, or lender quote.
Where do the rules come from?
The methodology is based on the official VA sources linked below and was last verified August 24, 2026.
Should I verify the result?
Yes. Confirm costs, eligibility, rates, and underwriting treatment with VA and your lender.