Income Checker

Explains how to check or verify a person’s income (a tenant, applicant, borrower, guarantor, investor, or yourself), including bank-based income analysis, pay stubs, and their limits. Use when someone asks how to verify, check, or prove income.

{
  "type": "object",
  "properties": {
    "audience": {
      "description": "Who is asking: a landlord/property manager, a lender, an individual proving their own income, or other",
      "type": "string",
      "enum": [
        "landlord",
        "lender",
        "individual",
        "other"
      ]
    }
  },
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Returns the link and steps to request a bank-based income report from Income Checker for a tenant, applicant, borrower, or yourself. Use when the user wants to actually verify or check someone’s income, not just learn how.

{
  "type": "object",
  "properties": {},
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Converts a pay amount (hourly, weekly, every two weeks, twice a month, monthly, or annual) into gross monthly, annual, biweekly, weekly, and hourly income.

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Gross pay amount per period, or hourly rate"
    },
    "frequency": {
      "type": "string",
      "enum": [
        "hourly",
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly",
        "annual"
      ]
    },
    "hours_per_week": {
      "description": "Hours per week, for hourly pay (default 40)",
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 168
    }
  },
  "required": [
    "amount",
    "frequency"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Income needed for a given rent (2.5x, 3x, 3.5x rules), the max rent for a given income at 3x, or the rent-to-income ratio when both are given. Pass monthly figures.

{
  "type": "object",
  "properties": {
    "monthly_rent": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "monthly_income": {
      "description": "Gross monthly income",
      "type": "number",
      "exclusiveMinimum": 0
    }
  },
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Affordable rent from gross monthly income using the 30% rule, the 3x-rent rule, a 25-30% comfortable range capped at 36% total debt, and 50/30/20.

{
  "type": "object",
  "properties": {
    "monthly_gross_income": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "monthly_debts": {
      "description": "Monthly debt payments excluding rent",
      "type": "number",
      "minimum": 0
    }
  },
  "required": [
    "monthly_gross_income"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Front-end (housing) and back-end debt-to-income ratios with common lender bands.

{
  "type": "object",
  "properties": {
    "monthly_gross_income": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "monthly_housing": {
      "type": "number",
      "minimum": 0,
      "description": "Rent or mortgage payment including taxes and insurance"
    },
    "other_monthly_debts": {
      "description": "Car, student loan, card minimums, etc.",
      "type": "number",
      "minimum": 0
    }
  },
  "required": [
    "monthly_gross_income",
    "monthly_housing"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Rent owed for a partial first month, from the move-in date through the end of that month.

{
  "type": "object",
  "properties": {
    "monthly_rent": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "move_in_date": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "YYYY-MM-DD"
    },
    "method": {
      "description": "actual = rent ÷ days in month (default); year = rent × 12 ÷ 365; banker = rent ÷ 30",
      "type": "string",
      "enum": [
        "actual",
        "year",
        "banker"
      ]
    }
  },
  "required": [
    "monthly_rent",
    "move_in_date"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Checks the figures on a pay stub for internal inconsistencies: gross minus deductions vs net, hours × rate, Social Security and Medicare rates, pay period length, pay date, year-to-date totals, and suspiciously round numbers. Read the numbers off the stub and pass them in. Flags items for follow-up; it does not authenticate a document or prove fraud.

{
  "type": "object",
  "properties": {
    "gross_pay": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "net_pay": {
      "type": "number",
      "minimum": 0
    },
    "deductions": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "amount": {
            "type": "number",
            "minimum": 0
          }
        },
        "required": [
          "name",
          "amount"
        ]
      },
      "description": "Every deduction line, e.g. Federal, Social Security, Medicare, State, 401k"
    },
    "hours": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "hourly_rate": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "pay_period_start": {
      "description": "YYYY-MM-DD",
      "type": "string"
    },
    "pay_period_end": {
      "description": "YYYY-MM-DD",
      "type": "string"
    },
    "pay_date": {
      "description": "YYYY-MM-DD",
      "type": "string"
    },
    "pay_frequency": {
      "type": "string",
      "enum": [
        "weekly",
        "biweekly",
        "semimonthly",
        "monthly"
      ]
    },
    "ytd_gross": {
      "type": "number",
      "minimum": 0
    },
    "prior_ytd_gross": {
      "description": "YTD gross from the previous stub, if available",
      "type": "number",
      "minimum": 0
    }
  },
  "required": [
    "gross_pay",
    "net_pay",
    "deductions"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Shows the signed-in user’s email and how many verification credits they have left.

{
  "type": "object",
  "properties": {},
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Creates a secure Stripe checkout link for a pack of non-expiring verification credits. Packs: 1 for $5.00, 3 for $15.00, 5 for $25.00, 10 for $50.00, 25 for $125.00, 50 for $250.00. Give the user the link to pay; credits are added once payment completes.

{
  "type": "object",
  "properties": {
    "quantity": {
      "type": "number",
      "enum": [
        1,
        3,
        5,
        10,
        25,
        50
      ],
      "description": "Number of credits: 1, 3, 5, 10, 25, 50"
    }
  },
  "required": [
    "quantity"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Uses one credit to create a bank-based income check and emails the applicant a secure link to connect their bank through Plaid. Confirm the applicant’s name and email with the user before calling. The report is ready after the applicant connects; check it with list_verifications or get_report.

{
  "type": "object",
  "properties": {
    "applicant_name": {
      "type": "string",
      "minLength": 1,
      "maxLength": 200
    },
    "applicant_email": {
      "type": "string",
      "format": "email",
      "pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$"
    },
    "purpose": {
      "description": "Optional reason shown to the applicant, e.g. \"Rental application for 12 Oak St\"",
      "type": "string",
      "maxLength": 500
    },
    "requested_by_name": {
      "description": "Name or company shown as the requester; defaults to the account’s company name",
      "type": "string",
      "maxLength": 200
    }
  },
  "required": [
    "applicant_name",
    "applicant_email"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Lists the signed-in user’s income verification requests, newest first, with status and report links.

{
  "type": "object",
  "properties": {
    "status": {
      "type": "string",
      "enum": [
        "pending",
        "in_progress",
        "completed",
        "expired",
        "failed",
        "canceled"
      ]
    },
    "limit": {
      "description": "Default 10",
      "type": "integer",
      "minimum": 1,
      "maximum": 50
    }
  },
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}

Returns the income analysis for a completed verification: estimated monthly income, income sources, other deposits, and account balances. Present figures as estimates, never as verified or approved income.

{
  "type": "object",
  "properties": {
    "verification_id": {
      "type": "string",
      "format": "uuid",
      "pattern": "^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$"
    }
  },
  "required": [
    "verification_id"
  ],
  "$schema": "https://json-schema.org/draft/2020-12/schema"
}