No Income Letter Template and Sample

Updated on: April 30, 2024
No Income Letter Page Image

A No Income Letter is a written document that explains an individual’s current financial situation and provides proof that they do not have any income.

This letter is typically required in situations where someone needs to demonstrate that they are not earning any money and may be needed for various purposes, such as benefits, medical reasons, debt relief, disability claims, mortgage, or financial obligations.

The letter should clearly state the person’s lack of income and provide any necessary details or documentation to support their claim. It is important to follow any guidelines or instructions provided by the authority requesting the letter.

Below are two examples of self-declarations of No Income Letters that can be used as a reference when writing a letter to explain your current financial situation and provide proof that you do not have any income.

No Income Letter Template

[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]

[Recipient’s Name]
[Recipient’s Title]
[Recipient’s Company/Organization]
[Recipient’s Address]
[City, State, Zip Code]

Re: Declaration of No Income

Dear [Recipient’s Name],

I am writing to formally declare that as of [Date], I have no source of income. This letter serves as a sworn affidavit for the purposes of [applying for financial assistance, housing, or other contexts requiring such a declaration].

For the past [duration without income], due to [reasons such as unemployment, being a student, an employment gap year, medical reasons, retirement, or other applicable circumstances], I have been without any form of income. This includes, but is not limited to employment wages, freelance work, government benefits, investments, and any other potential sources of income.

Please note the following points regarding my current financial situation:

  • Unemployment: [Detail any application for unemployment benefits or the lack thereof.]
  • Efforts to Gain Employment: [Describe any efforts you’ve made to obtain work, if applicable.]
  • Living Arrangements: [Explain your current living arrangements and how they are being supported.]
  • Support: [Detail any support you might be receiving, whether through savings, assistance from family or friends, or other non-income means.]

I understand the importance of this declaration for the [specific process, application, or situation] and I hereby attest that the information provided is true and accurate to the best of my knowledge. I am aware that any false statement may result in penalties according to the law.

Please feel free to contact me at [Your Phone Number] or [Your Email Address] if you need any further information or clarification regarding my current financial status.

Thank you for your attention to this matter.


[Your Signature (if submitting a hard copy)]

[Your Full Name]

No Income Letter Sample

John Doe
123 South Lane
City, NY 10001
[email protected]
(000) 123-4567

April 30, 2024

Subject: Declaration of No Income

To Whom It May Concern,

I, John Doe, am writing this letter to certify that as of April 30, 2024, I am not employed, nor do I engage in any business activities or any other professional undertakings that generate a personal income.

This situation is a result of the downsizing at Widgets Inc., where I was previously employed until January 15, 2024. Since the termination of my employment, I have been actively searching for new employment opportunities without success as of this date.

I am currently undertaking part-time studies to improve my skills, which has limited my availability for work. During this period of financial adjustment, my basic living expenses have been minimally supported by my savings and financial aid from community programs, when available.

I am in the process of seeking additional avenues of support and remain optimistic about securing employment in the near future. I am fully committed to regularizing my financial status as swiftly as possible.

Please let this letter serve as a formal declaration of my current lack of income. I understand that this may require verification, and I am prepared to provide any additional documentation as may be deemed necessary.

Thank you for your understanding and kindness during this challenging period. Should you require further information or clarification, please do not hesitate to contact me.

Warm regards,

John Doe

Note: This letter is a hypothetical example and includes fictitious details. It is important to replace these with actual, truthful information when drafting your own no-income declaration.

How to Write a Letter Stating No Income?

When you might need to state that you have no income, it is crucial to communicate this information clearly and formally.

A no-income letter, also referred to as an affidavit of no income, is a document in which an individual declares that they are not receiving any form of income at the current moment.

Here is a step-by-step guide to writing an effective letter stating no income:

Step 1: Begin with Your Personal Information

Start your letter by writing your personal information at the top. This should include your full name, address, phone number, and email address. Align this information to the left or center it at the top, depending on your preference.

[Your Full Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email Address]

Step 2: Include Recipient’s Information

Below your personal information, also aligned to the left, write the name and address of the recipient. This might be a landlord, financial institution, or a government agency.

[Recipient's Name or Title]
[Company/Organization Name]
[Recipient's Address]
[City, State, Zip Code]

Step 3: Add a Subject Line

This should be centered and briefly specify the subject of your letter.

Subject: Declaration of No Income

Step 4: Salutation

Open your letter with an appropriate greeting, such as “Dear [Recipient’s Name or Title],”

Step 5: Write the Body of the Letter

In the first paragraph, introduce yourself and state that you are writing to declare that you currently have no income. This is where you present the purpose of your letter.

In the following paragraph(s), provide any necessary background or reasoning for your current lack of income. Explain your situation briefly and include pertinent details such as the date you last had an income, the name of your previous employer if relevant, and any efforts you may be making to obtain income.

If you have evidence to support your claim (like a termination of employment letter, or a statement of benefits expiration), mention you can provide these documents upon request.

Step 6: Closing

In your closing paragraph, thank them for their understanding and convey that you’re willing to provide any additional information if needed.

Step 7: Complimentary Close

End your letter with “Sincerely,” or “Best regards,” followed by your handwritten signature (if sending a hard copy) and typed full name.

Step 8: Enclosures or Attachments

If you are enclosing documents, indicate this by adding “Enclosures:” or “Attachments:” followed by a brief description of the documents.


  1. Be honest and ensure all the information provided in the letter is accurate and truthful.
  2. Keep the letter concise and to the point.
  3. A professional tone is essential.
  4. Proofread your letter to avoid any grammatical or spelling errors.

Remember, this guide is for informational purposes, and you should customize your no-income letter to fit your specific circumstances.

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