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

$0

vs. $0 renting

Monthly Savings $0
Annual Savings $0

Monthly Cash Flow Breakdown

Rental Income +$0
Mortgage Payment (PITI) -$0
Utilities -$0
Maintenance/Repairs -$0
Vacancy Allowance -$0
Net Housing Cost $0

5-Year Financial Projection

Total Saved vs Renting $0
Equity Built $0
Property Appreciation $0
Total Wealth Built $0

🎯 House Hacking Benefits

Owner-Occupied Financing

Lower down payment (3-5% FHA)

Tax Deductions

Deduct mortgage interest & depreciation on rental portion

Build Wealth While Living

Equity growth + mortgage paydown + appreciation

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
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