House Hacking Calculator
Live in one unit, rent the others. See how much your tenants cover of your mortgage.
The Property
Rental Units
Enter rent for each unit you'll rent out. Leave blank for units you won't rent.
Your Unit (Where You Live)
Your effective monthly housing cost
Mortgage covered by tenants
Gross Rent
per month
Net Rent Income
after vacancy
Monthly Savings
vs. renting
Full Monthly Breakdown
Mortgage Payment
Other Expenses
Total Housing Cost
Rental Income (after vacancy)
Your Out-of-Pocket Cost
5-Year Wealth Snapshot
Est. Property Value
Total Rent Collected
Rent Saved (vs. renting)
Est. Total Wealth Created
House Hacking vs. Just Renting
Just Renting
Monthly cost:
5-yr total spent:
Equity built: $0
House Hacking
Monthly cost:
5-yr total spent:
Est. equity:
Educational tool only. Assumes fixed rate, constant rents, and steady appreciation. Always consult a financial professional before investing.