What is a proof of income letter?

A proof of income letter is a short written statement that confirms how much money you earn. It typically lists your name, income amount, pay frequency, the source of income, and a contact for verification. Self-employed people often write their own, sometimes co-signed by a CPA.

Who can write a proof of income letter?

An employer, an accountant or CPA, or you yourself if you're self-employed can write a proof of income letter. Self-written letters are stronger when paired with supporting documents like bank statements or a tax return.

What should a proof of income letter include?

Include the date, recipient, your full name, your income amount and pay frequency, the source of income, how long you've earned it, and your contact details for verification. Sign and date the letter.

Is a proof of income letter enough on its own?

Sometimes, but most landlords and lenders prefer to see it alongside bank statements, pay stubs, or a tax return that confirm the same income figures.

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A landlord or lender asked for a "proof of income letter," and now you're staring at a blank page. Here's exactly what to write, what to leave out, and a template you can copy in two minutes.

What a Proof of Income Letter Is

A proof of income letter is a short, signed statement confirming how much you earn. Employers write them for staff; the self-employed write their own (sometimes co-signed by a CPA). It's most useful when you don't have standard pay stubs — and it works best paired with documents that confirm the same numbers.

What to Include

Date and the recipient (landlord, lender, or "To Whom It May Concern")
Your full legal name and address
Your income amount and how often you earn it (monthly or annually)
The source of income (your business, clients, or platforms)
How long you've earned this income
A contact number or email for verification
Your signature and date (and a CPA signature if you have one)

Copy-Paste Template

[Date] To Whom It May Concern, This letter confirms that I, [Full Name], am self-employed as a [your role/business] and have been since [start date]. My average income is approximately $[amount] per month ($[amount] per year), earned through [clients/platforms/business]. This income has been consistent over the past [number] months. Supporting documentation (bank statements and tax returns) is available upon request. Please contact me at [phone] or [email] to verify. Sincerely, [Signature] [Full Name]

Make It Stronger

A letter alone can feel thin. Attach two to three months of bank statements, a recent pay stub, or last year's tax return so the reviewer can verify your figures. If a CPA prepares your taxes, ask them to co-sign — it adds credibility instantly. For freelancers, our freelancer proof of income letter page has a tailored version.

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Rather than format it by hand, the proof of income letter generator fills in a professional layout from your details in about a minute — free preview, clean PDF from $6.99.

State only true figures. A proof of income letter must reflect income you actually earn and be backed by your records. Overstating income to qualify for housing or credit is fraud. StubFast is for documenting genuine income only.

How to Write a Proof of Income Letter (+ Template)

What a Proof of Income Letter Is

What to Include

Copy-Paste Template

Make It Stronger

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