AML Compliance Tool
Source of Funds Calculator
Assess whether a client's transaction volume is consistent with their documented income and known financial profile.
How this works
This calculator compares a client's documented monthly income against their total transaction value over a review period. A high percentage indicates the client may be transacting beyond what their known income can reasonably support — a recognised AML red flag requiring further investigation or escalation.
Step 1 — Document income sources
Enter the client's monthly income from all documented sources. Leave blank if not applicable.
Bank statement (monthly average)
$
Payslip / employment income (per month)
$
Notice of assessment / tax return (annual ÷ 12)
$
Other documented income (per month)
$
Total monthly income
$0.00
Enter the number of months of transaction activity being assessed (maximum 12)
Step 2 — Enter total transactions
Enter the total value of paid and completed transactions during the review period.
Total transaction value (review period)
$
Source of funds assessment
Transaction value
—
Monthly income
Period income
Transaction %
Assessment
Recommended action
Important
This calculator is a drafting aid for educational purposes only. It does not constitute professional AML compliance advice or a determination of any filing obligation. Source of funds thresholds, escalation requirements, and filing obligations vary by jurisdiction, regulated sector, and individual circumstances. Always consult a qualified compliance professional.