Docs-to-Digital ROI
See what manual bank statement review is costing your team — and what automation gives back.
How to use this calculator
1
Adjust the two input sections to match your portfolio — loan volume and team cost.
2
Results update in real time on the right — including annual savings, hours reclaimed, and ROI multiple.
Your Inputs
01 · Loan Volume
Monthly applications processed
5,000
Loan funded rate
5%
Typical SMB range: 5–10%
% of funded loans connecting via Plaid
55%
The portion of funded apps with both Plaid + PDF bank data
02 · Manual Review Cost
Underwriter annual salary
$65k
Used to derive hourly cost: salary ÷ 47 weeks ÷ 40 hrs
Time per manual pre-funding bank check
30 min
Industry range: 20–45 min to cross-reference PDF vs. Plaid
% of deals that fund same day as check
90%
Remainder require a second pull next day — drives weighted avg pulls/app
Estimated Annual Value
$—
calculating…
↑ — ROI multiple vs. manual cost
Checks / month
—
Manual cost / check
—
Hours saved / month
—
FTE equivalent freed
—
Bottom-up Analysis
Avg. annual underwriter salary
—
Weekly rate (salary ÷ 47 weeks)
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Avg. hourly rate (weekly ÷ 40 hrs)
—
Avg. cost per manual pre-funding bank check
—
Automated cost per check (Docs2Digital @ $2.00)
$2.00
ROI multiple on each check
—
Total Annual Time Savings
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Annual Product Cost
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Net Annual Savings
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ROI Multiple
—
Methodology: Manual cost/check = salary ÷ (47 weeks × 40 hrs) × minutes per check. Weighted avg pulls/app = (same-day % × 1) + (next-day % × 2). Annual time savings = monthly checks × manual cost/check × 12. Annual product cost = monthly checks × $2.00/pull × 12. ROI = annual time savings ÷ annual product cost.