House Hacking Calculator

househackingcalc.com
Know your numbers before you offer

Take the guesswork out of your next purchase. Get the full picture before you buy, and build wealth with confidence.

See what you’d really pay to live there, how high you can bid before it stops cash-flowing, and a strength grade on every price.

No more guessworkSee your true cost to live thereKnow your ceiling — how high you can still cash-flowSpot winning deals fasterBuild cash flow with confidenceStress-test before you commitWalk in prepared — a clean PDF to share
househackingcalc.com
Fill in the groups below — everything recalculates live, and you can tap any section header to collapse or expand it. Print / Save PDF exports a polished two-page deal memo.
1Property & Price
List / offer price is the single price that drives everything — start with the asking price, then change it (here or with the price-spectrum slider below) to test any offer. Scenario range ±% sets how wide the comparison tables spread around it.
2Rent / Income
3Financing
Toggle (in Rent/Income) sets typical lender defaults: Owner-occupant → low down (20%/5%), DSCR 1.05 cushion, you live in one unit. Investment → 25%/20% down, DSCR 1.25, +0.625% rate, no PMI, all units rented. All editable. Reno cash is extra money you pay out of pocket to get the place rent-ready — it is added to your cash invested (down payment + closing + reno), not rolled into the mortgage. It lowers cash-on-cash and is counted as upfront cash in the sale/return tables.
4Operating Expenses
Repairs vs. CapEx — two separate reserves you set aside monthly so a surprise bill doesn't wreck your returns. Repairs = routine, smaller upkeep (a leaky faucet, fresh paint, a broken fixture). CapEx (capital expenditures) = the big-ticket items that wear out over many years — roof, furnace, A/C, water heater, appliances, flooring. Vacancy sets money aside for the months a unit sits empty between tenants; Management is a property manager's fee (leave at 0 if you self-manage). Each percentage is taken on rent.
5Growth & Exit
Growth (optional) compounds rents and operating expenses each year. Leave at 0% to hold today's figures flat. Growth affects only the long-term projections (appreciation, sale, cumulative cash flow, payback & IRR) — your Year-1 cap rate, DSCR and cash-on-cash always use today's rents.
$Price Spectrum
Enter a list / offer price in section 1 to explore how the price changes your monthly cash flow and where the key levels sit.
Tip: in the print dialog, turn on “Background graphics” to get the full-color memo.