Proof of Income Letter for Self-Employed (Template + How to Write It)
If you’re self-employed and someone asks you for “proof of income,” it can feel like a pain. No HR department. No employer. No payroll system printing neat-looking pay stubs.
But here’s the truth:
And if you want something more official-looking, you can also create a clean, professional pay stub to go with it.
What is a self-employed proof of income letter?
It’s a simple written statement that confirms:
- who you are
- your business or type of work
- how much income you earn
- how often you’re paid
That’s it. It doesn’t need to be complicated.
When you need a self-employment income letter
People usually need this letter when applying for:
- an apartment
- a car loan
- a personal loan
- insurance
- government programs
- a new utility account
Basically anywhere they need to confirm you’re earning consistent money.
Self-Employed Proof of Income Letter Template (Copy & Paste)
Your Name
Your Business Name (if applicable)
Address
City, State ZIP
Email
Phone Number
Date: [Insert Date]
To Whom It May Concern,
I am a self-employed individual working as a [your occupation]. I earn an average income of $[amount] per [week/month] through my work providing [brief description of services].
I confirm that the income listed above is accurate to the best of my knowledge and reflects my current earnings.
If you need any additional information, you may contact me at the details above.
Sincerely,
[Your Name]
That’s all most landlords and lenders require.
Want something more “official” than a letter?
Some companies prefer a document that looks structured — like a pay stub.
You can create one using your real income:
Create a professional self-employed pay stub in minutes. Perfect for apartments, loans, and verifications.
Generate My Pay Stub →Things to include in your income letter
- Your legal name
- Your work or business type
- Your average monthly/weekly income
- How long you’ve been self-employed
- Your full contact information
Keep it clean, simple, and honest.
Should you attach proof with the letter?
It helps. You can attach:
- bank statements
- cash deposit logs
- payment app deposits (Cash App, Venmo, Zelle)
- a self-employed pay stub
Letters + documents = faster approval.
FAQ: Self-Employed Income Letters
Yes — as long as the income you state is true and reflects your real earnings.
Most do, especially small or private landlords. Many even prefer it.
Often, yes. It looks more structured and gets fewer questions.
Use your average monthly earnings — that’s what most companies care about.
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