House Hacking Calculator

Choose your setup, plug in unit-by-unit rents, and see your real monthly out-of-pocket cost.

House Hack Setup

Property Type

Purchase & Loan

Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Estimated Closing Costs (%)

2% is a common planning estimate.

Upfront Repairs / Furnishing ($)

Monthly Expenses

Property Taxes (annual $)

Insurance (annual $)

HOA (monthly $)

PMI (monthly $)

Utilities You Pay (monthly $)

Other Monthly Costs ($)

Maintenance Reserve (% of rent collected)

Vacancy Allowance (% of rent collected)

Rental Income (Unit-by-Unit)

Unit 1 Market Rent (optional) Owner

Unit 2 Rent ($)

Unit 3 Rent ($)

Unit 4 Rent ($)

Other Monthly Income ($)

Notes (optional)

Estimated Out-of-Pocket Monthly Cost

Rent Offset

Net Monthly

Monthly Breakdown

P&I: $0

Taxes + Insurance: $0

HOA + PMI + Utilities + Other: $0

Reserves (vacancy + maintenance): $0

Total Monthly Expenses: $0

Total Monthly Income: $0

Cash to Close (estimate)

Planning numbers only. Final totals depend on lender, title, and escrow details.