Using a mortgage calculator as a self-employed individual can be slightly different than for those with a regular income. Most calculators will ask for your annual income, so you may need to provide your average earnings over the last two to three years, including any dividends or profit distributions. It's also important to factor in your business expenses, as lenders will consider your net income. For a more tailored estimate, consider consulting a mortgage advisor familiar with self-employed cases. They can help you navigate the specific requirements and find the best mortgage options available for you.