Is this proof of income letter generator free?

Yes. Our proof of income letter generator is free. Create employment and income verification letters. Print or save as PDF. No sign-up required.

Can I use this for apartment or rental applications?

Yes. Landlords often request proof of income. Use this to create a professional employment and income verification letter. Include your employer, job title, income, and payment frequency. The letter should be signed by your employer or income source for official use.

Can I use this for loan or mortgage applications?

Yes. Lenders may accept proof of income letters as part of verification. Fill in accurate employment and income details. For official use, the letter should be signed by your employer, HR, or an authorized representative.

Who should sign the proof of income letter?

The letter should be signed by your employer, HR manager, or an authorized representative who can verify your employment and income. Self-employed individuals may need to use tax returns, bank statements, or a CPA letter instead.

How much income do I need to rent an apartment?

Landlords often require gross monthly income of at least 3 times the monthly rent. For a $2,000 apartment, that's $6,000 per month.

What if I'm self-employed—what proof of income do I need?

Self-employed applicants often need tax returns (Schedule C), 1099s, bank statements, or a CPA letter. Our letter generator can help if you have a business or client as income source.

Can I use gross or net income on the letter?

Landlords and lenders typically use gross income (before taxes) for the 3x rent rule and debt-to-income ratio. Our letter uses gross income.

Free Proof of Income Letter Generator 2026

Create professional proof of income and employment verification letters for apartments, rental applications, loans, and mortgages. Enter employment and income details. Print or save as PDF—no sign-up. For employees, contractors, and self-employed. Often required when landlords or lenders need to verify your income.

Who needs a proof of income letter?

Renters applying for apartments—landlords often require proof of income showing you earn enough to afford rent (typically 3× monthly rent). Loan and mortgage applicants—lenders verify employment and income. Self-employed or gig workers who may not have traditional pay stubs. This tool creates a letter template; for official use it should be signed by your employer or income source. For income verification with pay stubs, use our Pay Stub Generator.

For verification only

This tool generates a letter template. For official use (rentals, loans), the letter should be signed by your employer, HR, or an authorized representative who can verify your employment and income. Do not misrepresent your income.

How to Use the Proof of Income Letter Generator

Enter employment details — Your name, employer or income source, job title, employment type, start date.
Enter income and recipient — Income amount and payment frequency (weekly, biweekly, monthly, annually). Add recipient (e.g. landlord, lender) and address.
Print or save as PDF — Add authorized signer name and title if applicable. Click Print / Save PDF. Have your employer sign for official verification.

Create Proof of Income Letter

Fill in employment and income details. Generate a professional letter for rentals, loans, or other verification needs. Print or save as PDF.

Header color

Load sample:

Employee / Your name *

Employer / Income source name *

Job title

Employment type

Income amount *

Payment frequency

Employment start date

Letter date

To (recipient)—e.g. landlord, lender

Recipient address

Employer address

Employer phone

Authorized signer name

Author signer title

Additional information

Fill in employee name, employer/income source, and income amount.

For a clean PDF, uncheck "Headers and footers" in the print dialog.

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Key Takeaways

A proof of income letter confirms employment and income. Landlords and lenders use it to verify you can afford rent or repay a loan.
Landlords often want income of 3× monthly rent. Check affordability with our Rent Affordability Calculator.
For official use, the letter should be signed by your employer or HR. Self-employed? Use tax returns, bank statements, or a CPA letter instead.
Include gross income, payment frequency, job title, and employment type. The letter annualizes income when needed (e.g. weekly × 52).

What Is a Proof of Income Letter?

A proof of income letter (also called an employment verification letter or income verification letter) is a document that confirms your employment status and income. Landlords use it to verify you can afford rent. Lenders use it for loan and mortgage applications. It typically includes employer name, your job title, employment type, income amount, and payment frequency. For employees, the letter is usually signed by HR or a manager. Self-employed individuals may use tax returns, bank statements, or a CPA letter instead.

Estimate your take-home pay with our Tax Calculator or 1099 Tax Calculator for self-employment.

What Landlords Look For in Proof of Income

Landlords typically want to confirm:

Gross income — Often 3× monthly rent. A $2,000/month apartment may require ~$6,000/month income.
Employment stability — Job title, employer, start date.
Payment frequency — Weekly, biweekly, or monthly pay.

Use our Rent Affordability Calculator to see how much rent you can afford based on your income.

Proof of Income for Loans and Mortgages

Lenders verify income to assess your ability to repay. They may accept a signed employment/income letter, recent pay stubs, W-2s, tax returns, or 1099s. Self-employed applicants often need 2+ years of tax returns. Your debt-to-income ratio (DTI) matters—use our DTI Calculator to see where you stand. For mortgages, try our Mortgage Affordability Calculator.

Proof of Income for Self-Employed and Gig Workers

If you're self-employed, a contract worker, or a gig worker, landlords and lenders may ask for: tax returns (Schedule C), 1099 forms, bank statements, or a CPA letter summarizing income. Our letter generator can help if you have a business name or client as the "employer." For income verification with pay stubs, use our Pay Stub Generator. Estimate your taxes with our 1099 Tax Calculator.