House Hacking Calculator

Use this House Hacking Calculator to estimate your true housing cost after rental income, expenses, and principal paydown.

HomeExpertly
www.homeexpertly.com
House Hacking Calculator
Live for free (or close to it). Analyze multi-family properties or roommate scenarios to see how rental income lowers your personal housing expense.
Property Details
$
$
e.g. 3.5% FHA loan.
%
Rental Income (Other Units)
$
%
Monthly Expenses
$
$
$
$
Housing Cost Analysis
Net Personal Housing Expense
Total PITI + Expenses—
Effective Rental Income—
Your Net Monthly Cost—
Wealth Building Metrics
Principal Paydown (Mo)—
"True" Cost (Net - Principal)—
Cash-on-Cash Return—
Annual Savings vs Renting—
"True" cost subtracts principal paydown (savings account) from your net expense. If negative, you are getting paid to live there.
Visuals
Who Pays the Mortgage?
Expense Breakdown
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