House Hacking Calculator
Calculate savings and returns from renting out part of your primary residence
View Complete House Hacking Guide🏠 Continue Renting
$0/mo
Monthly housing cost
🏡 Buy Traditional
$0/mo
Monthly housing cost
🏘️ House Hack
$0/mo
Monthly housing cost
Property Details
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Rental Income
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Monthly Expenses
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Comparison Baseline
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House Hacking Results
Your Monthly Housing Cost
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vs. $0 renting
Monthly Savings
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Annual Savings
$0
Monthly Cash Flow Breakdown
Rental Income
+$0
Mortgage Payment (PITI)
-$0
Utilities
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Maintenance/Repairs
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Vacancy Allowance
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Net Housing Cost
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5-Year Financial Projection
Total Saved vs Renting
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Equity Built
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Property Appreciation
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Total Wealth Built
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🎯 House Hacking Benefits
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Owner-Occupied Financing
Lower down payment (3-5% FHA)
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Tax Deductions
Deduct mortgage interest & depreciation on rental portion
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Build Wealth While Living
Equity growth + mortgage paydown + appreciation
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Landlord Experience
Learn property management with training wheels
💡 House Hacking Success Tips
Finding the Right Property
- • Look for properties with separate entrances
- • Consider layout and privacy for all parties
- • Check local zoning for rental restrictions
- • Factor in parking and storage needs
Maximizing Success
- • Screen tenants carefully - you'll be neighbors
- • Set clear house rules and boundaries
- • Price slightly below market for better tenants
- • Keep 3-6 months reserves for vacancies