Forensic Accounting Calculator

Detect financial discrepancies using the net worth method. Compare reported income against bank deposits, expenses, and asset accumulation.

Inputs

Reported Income

Bank Deposits

Known Expenses

Assets Gained

Tab to move between fields

Results

Unexplained Net Worth Increase

$20,000.00

≈ 10 gaming PCs

Unexplained Bank Deposits

$45,000.00

≈ 4 years of state college

Total Discrepancy$45,000.00

Red Flag Score26 / 100

How to Use This Calculator

Enter Reported Income, Bank Deposits, and Known Expenses.
Set Assets Gained.
Review Unexplained Net Worth Increase ($) and Unexplained Bank Deposits ($).
Use Total Discrepancy ($) and Red Flag Score (/ 100) to inform your decision.
Use the chart to visualize the results and explore different scenarios by adjusting inputs.

What each input means

Reported Income: Total income reported on tax returns or financial statements.
Bank Deposits: Total bank deposits identified from financial records.
Known Expenses: Verified living expenses, bills, and cash expenditures.
Assets Gained: Value of new assets acquired during the period (vehicles, property, etc.).

What each result means

Unexplained Net Worth Increase: Assets and expenses exceeding reported income.
Unexplained Bank Deposits: Bank deposits exceeding reported income.
Total Discrepancy: Larger of net worth or deposit discrepancy.
Red Flag Score: Composite indicator of financial anomalies.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Reported Income = 75000, Bank Deposits = 120000, Known Expenses = 65000, Assets Gained = 30000 = 4 input(s) provided
Calculate Unexplained Net Worth Increase
Unexplained Net Worth Increase
20000 = $20,000
Calculate Unexplained Bank Deposits
Unexplained Bank Deposits
45000 = $45,000
Calculate Total Discrepancy
Total Discrepancy
45000 = $45,000

Engine last updated July 26, 2026. Checked against 2 independently-derived tests — how we verify calculators.

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