House Hacking Calculator
Live in one unit, rent the rest — effective housing cost, owner-occupied loan advantage and the wealth math.
Formula
House hacking exploits the owner-occupant arbitrage: 3.5-5% down financing on what is functionally an investment property. The redirect — market rent you stop paying — compounds into the down payment for the next one. The cost is living next to your tenants.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Need house hacking calculator results fast? Analysts, founders, traders and finance professionals use the House Hacking Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About House Hacking Calculator
Live in one unit, rent the rest — effective housing cost, owner-occupied loan advantage and the wealth math. House hacking exploits the owner-occupant arbitrage: 3.5-5% down financing on what is functionally an investment property. The redirect — market rent you stop paying — compounds into the down payment for the next one. The cost is living next to your tenants. The governing relationship is effective cost = PITI + opex − other units' rent. The House Hacking Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use House Hacking Calculator
- 1Enter Duplex/triplex price (currency), Down (FHA/owner-occ) (%), Rate (%), Rent from other units (currency/mo), Taxes, insurance, maintenance (currency/mo), Rent you'd otherwise pay (currency/mo) into the House Hacking Calculator.
- 2The result is computed automatically using effective cost = PITI + opex − other units' rent — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use House Hacking Calculator?
- ✓Computes house hacking calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the House Hacking Calculator?+
House Hacking Calculator uses effective cost = PITI + opex − other units' rent. House hacking exploits the owner-occupant arbitrage: 3. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the House Hacking Calculator need?+
Enter Duplex/triplex price (currency), Down (FHA/owner-occ) (%), Rate (%), Rent from other units (currency/mo), Taxes, insurance, maintenance (currency/mo), Rent you'd otherwise pay (currency/mo) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the House Hacking Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the House Hacking Calculator?+
5-5% down financing on what is functionally an investment property. The redirect — market rent you stop paying — compounds into the down payment for the next one. The cost is living next to your tenants.
What is the House Hacking Calculator based on?+
The method follows authoritative sources: FHA owner-occupancy rules; house-hacking practice. The formula and references are shown on the page so you can verify and cite the result.
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